Senior Manager, Portfolio Lending Risk (Fintech)

Location: Quarry Bay, Hong Kong

Company

hirify.global is a pan-Asian fintech platform operating digital banks and online financial services in Hong Kong, Mainland China, and Indonesia.

What you will do

• Develop and maintain credit policies, procedures, and risk appetite for secured portfolio lending.
• Design collateral, LTV, haircut, margin call, top-up, and forced-sale frameworks.
• Review and approve credit facilities within delegated authority and applicable regulatory requirements.
• Establish portfolio KRIs, early-warning indicators, concentration dashboards, and committee reporting.
• Lead credit risk assessments for wealth-backed lending products, including Lombard lending, FX-collateralised loans, mutual-fund-backed facilities, and insurance policy loans.
• Coordinate stress testing, IFRS 9 ECL calibration, regulatory reviews, governance, and real-time collateral monitoring with cross-functional stakeholders.

Requirements

• Degree in Finance, Risk Management, Economics, Business, or a related discipline.
• At least 10 years of credit risk experience in banking or private banking, including securities-backed lending or margin financing.
• Strong understanding of collateral valuation, liquidity, and volatility across deposits, FX, equities, mutual funds, bonds, and structured products.
• Working knowledge of HKMA SPM modules covering credit risk, collateral, connected lending, and large exposures; SFC knowledge is advantageous.
• Experience designing LTV, haircut, margin call, forced-sale, or close-out frameworks and presenting to senior management committees.
• Strong analytical and quantitative skills, advanced Excel capability, and familiarity with Python or SQL for portfolio monitoring and stress testing.

Culture & Benefits

• Learning and development stipend supporting continued professional development.
• Flexible time off for personal matters and family time, with wellness activities.
• Open-plan office, thinking pods, free food and drinks, and collaborative workspaces.
• Social and recreational activities including hiking, yoga, badminton, board games, and ping pong.