Cluster Head, Medium Enterprise

Mandatory Reference Checking Scheme (“MRC”) for Hong Kong

The Mandatory Reference Checking Scheme is a framework to facilitate Authorized Institutions (“AIs”) to bilaterally obtain reference information during their recruitment process for certain positions, such that misconduct information in an individual’s previous employments can be provided to AIs to inform their employment decisions.

For information related to MRC Scheme, “Frequently Asked Questions for In Scope Individuals” is published by HKAB/Industry Guidelines (https://www.hkab.org.hk/en/home) or further information will be available upon request, if it is applicable to the position(s) applied.

Country of Location:

China Hong Kong

Job Responsibilities:

• Develop and execute strategies to grow SME deposit balance (CASA, fixed deposits and structured deposits).
• Lead a team of Relationship Managers to solicit new business and manage the sales momentum in order to achieve the designated business targets.
• Ensure profitable and healthy development of Business Banking portfolios through effective management of credit terms, pricing and collateral requirements etc.
• Drive cross-border deposit solutions such as onshore-offshore linkage, multi-currency accounts etc.
• Review credit proposals and approve daily temporary overdraw and bills excess in a prudent manner.
• Identify potential credit problems and implement appropriate action.
• Ensure teams operations are in line with departmental operations which comply with the policies, procedures, regulations and standards of the Bank and regulatory bodies.
• Build, develop, motivate and retain professional relationship manager teams.
• Implement and compliance of anti-money laundering policy and relevant procedures.
• Provide management oversight and develop / maintain a strong compliance culture regarding regulatory and compliance matters as well as anti-money laundering and counter terrorist financing control activities.

Requirements:

• Preferably a Degree holder in Finance, Economics, Business or related discipline
• Minimum 12 years in commercial/corporate banking, with at least 5 years focused on SME deposits or liability products /strong focus on Foreign Exchange and fee-generating products.
• Proven track record of working with Chinese SMEs or corporate with China operations, includes understanding of deposit pricing competition and local banking practices etc.
• Preferably possess / obtain Core or Professional level of qualification under the HKMA Enhanced Competency Framework (ECF) on Credit Risk Management (CRM).
• Existing network of China-based SME treasurers or finance directors
• Experience in trade finance, supply chain finance, or cross-border payment platforms (e.f. Alipay, WeChat Pay corporate solutions)
• Knowledge of offshore RMB (CNH) deposit markets