Hays
Credit Portfolio Officer (Mandarin speaking)
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Role Overview
A highly regarded international banking institution is seeking a Mandarin speaking Credit Risk Portfolio Officer to join its growing Risk function in London. This is an excellent opportunity for an experienced credit risk professional to play a key role in portfolio oversight, credit analytics, stress testing, provisioning, and asset quality management across a diverse wholesale banking portfolio.
The successful candidate will be responsible for analysing, monitoring, and managing credit risk exposures, ensuring the portfolio remains aligned with the bank's risk appetite while supporting informed lending and investment decisions. The role offers significant exposure to senior stakeholders, portfolio strategy, regulatory reporting, and credit risk governance.
Key Responsibilities
- Monitor and assess credit portfolio performance, identifying emerging risks, trends, and concentration exposures across sectors, geographies, and counterparties.
- Develop and maintain portfolio analytics, early warning indicator frameworks, and risk monitoring tools to identify potential credit deterioration at an early stage.
- Produce regular management information and portfolio risk reports for senior management, committees, regulators, and auditors.
- Lead portfolio stress testing, economic scenario modelling, and credit loss forecasting activities, including IFRS 9 provisioning and reserve analysis.
- Analyse credit data and risk metrics using statistical and analytical techniques to support proactive risk management and mitigation strategies.
- Monitor non-performing loan (NPL) trends and conduct root-cause analysis to identify lessons learned and improve portfolio quality.
- Manage debt write-off processes, ensuring compliance with internal governance standards, accounting requirements, and regulatory expectations.
- Support the ongoing review and maintenance of credit risk policies, procedures, and operating manuals.
- Contribute to portfolio strategy discussions and provide insight on capital allocation, asset quality, and risk-adjusted performance.
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Required Experience
- Minimum 3 years' experience within Credit Risk Analytics, Portfolio Risk, Credit Risk Management, or Portfolio Monitoring gained within commercial, corporate, or investment banking.
- Strong understanding of wholesale banking credit portfolios, including corporate, institutional, or structured credit exposures.
- Experience monitoring portfolio performance, identifying emerging risks, and supporting credit risk decision-making.
- Knowledge of IFRS 9 provisioning, stress testing, economic scenario analysis, or credit loss forecasting.
- Strong analytical and problem-solving skills with the ability to interpret large and complex data sets.
- Advanced proficiency in Excel and experience using analytical and reporting tools such as Power BI and SQL.
- Excellent communication and stakeholder management skills.
- Fluency in both English and Mandarin is essential due to extensive interaction with international stakeholders and cross-border governance requirements
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Please note, a valid UK visa is required, sponsorship cannot be offered.
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