Position title
Head of Credit Operations

Reporting to the General Manager of WeLend, the role will be responsible for overseeing and managing all aspects of credit operations functions to drive business growth and profitability, as well as ensuring the operational excellence while maintaining a high level of credit quality and compliance

  • Lead a team of credit professionals in HK & SZ to oversee the operations control and management, including loan origination, underwriting, credit risk assessment, credit monitoring, collections, customer service center, etc.
  • Provide guidance, coaching, and support to ensure the productivity and performance of the entire Credit Operations Department
  • Set clear objectives and targets for the team, monitor their progress, and provide regular feedback and performance evaluations
  • Strong analytical mindset to analyze credit operations data and generate insights to support strategic decision-making and drive business growth
  • Collaborate with other functions such as Product, Risk, Marketing, Technology, Legal & Compliance to drive various business initiatives and proper execution on risk control and policy actions
  • Establish and maintain relationships with external stakeholders, such as regulators, credit bureaus, and industry associations, to remain informed of market changes and regulatory developments
  • Develop and maintain robust reporting frameworks to ensure accurate and timely credit portfolio reporting to key stakeholders, including senior management and regulators
  • Handle and coordinate regulatory/audit follow up and implement remedial measures for first line of business
  • Recruit, train, and develop staff to build bench-strength of the team to drive best-in-class Credit Operations
  • Promote risk and control awareness to all team members through regular staff training and reinforcement
  • Bachelor’s degree in business or related field
  • Minimum of 15 years of work experience with 10 years on management role in unsecured lending and credit operations
  • Excellent leadership and management skills, with a proven track record of effectively managing and motiving teams
  • Able to work independently and deal with multi-tasking in a stress environment
  • Strong collaboration with stakeholders and partners to build up a cohesive alliance with counterparts
  • Demonstrated ability to analyze complex data and drive process improvements
  • Excellent command of written and spoken English, Chinese & Mandarin
Job Benefits
  • Learning and development stipend - we value lifelong learning and believe the best way to invest in our employees is to encourage them to continue to learn
  • Wellness and happiness – Numerous activities to let you focus on your physical and mental wellbeing. We allow flexible time offs to take care of personal matters and to enjoy time with family and friends
  • Comfortable and positive work environment – Open plan office for easy collaboration and social with your colleagues, or branch out into your own thinking pods when needed, with FREE food and drinks for when you want to recharge
  • Work smart, play hard – Connect with your colleagues over food and drinks at the stocked pantry, in the spacious social area with board games and a ping pong table, or over activities like hiking, yoga, badminton, etc.
  • A big and contagious smile on everyone’s face to make you happier :)

WeLab’s Awards & Recognitions

  • 2021 CB Insights Top 250 Fintech Startups globally
  • 2021 Asia Banking Finance (ABF) Retail Banking Awards: Hong Kong Virtual Bank of the Year
  • Financial Times (FT) 2020 Asia-Pacific High-Growth Companies – #2 ranked company
  • 2020 CNBC Disruptor 50 - the only Hong Kong-based company on the list

WeLab is a leading fintech company in Asia with one of the first virtual banks established in Hong Kong. WeLab provides financial services by creating seamless digital experiences to over 36 million customers across Hong Kong, Mainland China, and Indonesia.

Employment Type
Full-time, Hybrid
Financial Services
Job Location
Hong Kong, Hong Kong SAR
Date posted
September 12, 2023
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