Mox Bank

Digital bank offering cards and wealth

Product Owner - Credit Risk

Product ManagementUpdated on Nov 13

Full-timeHong KongNo salary listedIn-person

About the Job

Requirements

A university degree is required; Statistics, Mathematics, Computer Science, Economics, Finance, or Risk Management is preferred.
Solid experience and knowledge in product or project management in retail credit risk are required.
Fluency in English and Cantonese is required.
Familiarity with TransUnion and Credit Decision Systems is required; experience with FICO Decision Modeller is a plus.
Understanding of credit risk methodologies, with demonstrated experience of related modelling adoption and deployments, is required.
The candidate must be proficient in assessing and comprehending inherent credit risk associated with unsecured lending and credit card portfolios.
Experience in data warehousing and data management is required.
Knowledge of SQL and Tableau is required, and Python skills are a plus.
The candidate must be able to manage resources and schedules to meet aggressive deadlines and influence through persuasive written and verbal communication.
The candidate must have sharp analytical and problem-solving skills, think strategically and creatively, and pay attention to detail.

Responsibilities

Manage the retail credit risk squad and complete deliveries for retail credit risk systems.
Provide insights into product, technology, and market trends, anticipate imminent disruptions, and identify opportunities for acceleration.
Drive the strategic direction of the Credit Risk Squad to optimize business outcomes through risk-informed decision-making in collaboration with Product stakeholders.
Leverage technology-enabled solutions to minimize bank losses and collaborate closely with Risk, Collections, and Fraud teams.
Conduct ongoing research on retail lending, credit risk, emerging trends, and new features; identify potential sector updates or changes and inform relevant teams about developments and possible applications in services.
Gather, track, and manage user comments, bank needs, concept testing, and analytics tools.
Facilitate the build and testing of operational processes, systems, and reporting capabilities.
Escalate credit risk issues promptly and ensure appropriate mitigations are devised and implemented, engaging key stakeholders.
Work with Risk teams and Lending squads to plan the product features backlog, prioritize, evaluate, and deliver initiatives; ensure teams have an adequate amount of prepared tasks.
Design, monitor, and report on product and risk key performance indicators, measure feature effectiveness, and share results and insights within the organization.
Automate, enhance, and support ongoing credit risk analytics and management information reporting.

Desired Qualifications

Experience with FICO Decision Modeller is a plus.
Python skills are a plus.

About Mox
Mox is built by and for the ones who aspire to live life to the fullest – we call them Generation Mox! The name Mox reflects the endless opportunities we can create, - Mobile eXperience; Money eXperience; Money X (multiplier), eXponential growth, eXploration… it’s all up for us to define together.

Why Mox
Everything at Mox – from our products, features, to rewards – is designed based on customer research, tailor made for your needs. We care about what customers care about, especially in data security and privacy. Data ethics is core to everyone here at Mox. Mox rewards you with an array of banking and lifestyle benefits. Who says banking can’t be fun?

Who are we looking for?
We are looking for a Product Owner, Credit Risk to manage retail credit risk squad and complete the deliveries for retail credit risk systems.

Provide insights into product, technology and market trends, preempting imminent disruptions and identifying opportunities for acceleration.

Drive the strategic direction of the Credit Risk Squad to optimize business outcomes through risk-informed decision-making in collaboration with Product stakeholders. Leverage technology-enabled solutions to minimize bank losses, fostering close collaboration with Risk, Collections, and Fraud teams to deliver impactful results.

Conduct ongoing research on retail lending and credit risk, emerging trends, and new features. Identify potential updates or changes within the sector and proactively inform relevant teams about these developments, along with potential applications and usage scenarios in our services.
Gather, track and manage user comments, bank needs, concept testing, analytics tools.
Facilitate the build and testing of operational processes, systems, and reporting capabilities.
Escalate credit risk issues timely and ensure appropriate mitigations are devised and implemented, engaging all key stakeholders.
Working closely with Risk teams and Lending squads to plan the product features backlog, prioritize, evaluate and deliver the initiatives. Ensure all teams has an adequate amount of prior prepared tasks to work on.
Design, monitor and report on product and risk KPIs, measure effectiveness of features and sharing results and insights within the organization.
To automate, enhance and support the on-going process of credit risk analytics and MI reporting.

University graduate, preferably in Statistics, Mathematics, Computer Science, Economics, Finance, Risk Management or a related discipline
Solid experience and knowledge in product or project management in retail credit risk
Fluent in English and Cantonese
Familiar with TransUnion and Credit Decision Systems, experience with FICO Decision Modeller is a plus
Understanding of credit risk methodologies, with demonstrated experience of related modelling adoption and deployments
Proficiency in assessing and comprehending the inherent credit risk associated with unsecured lending and credit card portfolios
Experience in data warehousing and data management, knowledge on SQL and Tableau is a must and skills in Python is a plus
Outstanding communication, presentation, and leadership skills
Ability to manage resources and schedules to meet aggressive deadlines and influence through persuasive written and verbal communication
Exceptional interpersonal and communication skills
Sharp analytical and problem-solving skills
An ability to think strategically and creatively
Attention to details

About the Company

Mox Bank

Digital bank offering cards and wealth

MOX Bank provides digital-first banking in Hong Kong, backed by Standard Chartered and partners HKT, PCCW, and Trip.com, offering cards, deposits, lending, and wealth management through a fast mobile app. Customers open and manage accounts, make payments and transfers, and access savings and investment options with clear pricing and control from anywhere. Its platform blends support from established financial partners with a digital-native, high-speed user interface focused on security and transparency. The goal is to become Hong Kong’s top choice for banking services while setting global benchmarks for digital banking.

Company size: 201-500
Company stage: Not listed
Total funding: Not listed
Headquarters: Hong Kong
Founded: 2019

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