Credit Portfolio Officer (Mandarin speaking)

Overview

In this role you oversee wholesale credit risk portfolios in a London-based function, shaping risk strategy and governance. You will analyse exposures, monitor performance, and support informed lending and investment decisions. You will lead stress tests, IFRS 9 provisioning, and risk reporting for senior stakeholders. The role offers exposure to cross-border governance and regulatory interactions, with a focus on asset quality and risk-adjusted performance. This is an opportunity to influence portfolio strategy within a reputable international bank.

Responsibilities

• Monitor portfolio performance and identify emerging risks, trends, and concentration exposures
• Develop analytics, early warning indicators, and risk monitoring tools to detect deterioration early
• Produce management information and risk reports for senior management, committees, regulators, and auditors
• Lead portfolio stress testing, economic scenario modelling, and credit loss forecasting (IFRS 9 provisioning and reserve analysis)
• Analyse credit data and metrics to support proactive risk management and mitigation
• Monitor NPL trends and conduct root-cause analysis to improve portfolio quality
• Oversee debt write-off processes in line with governance, accounting, and regulatory requirements
• Support ongoing review and maintenance of credit risk policies and operating manuals
• Contribute to portfolio strategy discussions on capital allocation, asset quality, and risk-adjusted performance

Key requirements

• Minimum 3 years in Credit Risk Analytics, Portfolio Risk, Credit Risk Management, or Portfolio Monitoring in wholesale banking
• Strong understanding of corporate, institutional, or structured credit exposures
• Experience with IFRS 9 provisioning, stress testing, and economic scenario analysis
• Strong analytical and problem-solving skills with large data sets
• Advanced Excel; experience with Power BI and SQL
• Excellent communication and stakeholder management
• Fluency in English and Mandarin

• stakeholder management
• communication
• analytical mindset
• IFRS 9 provisioning
• stress testing
• economic scenario analysis

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