Mox Bank

Digital bank offering cards and wealth

Lead – Portfolio Strategy & Profitability - Cards & Lending

Risk ManagementUpdated on Nov 13

Full-timeHong KongNo salary listedIn-person

About the Job

Requirements

A Bachelor's degree in Business, Finance, Economics, Statistics, Mathematics, or a related discipline.
At least 10 years of experience in Credit Cards, Unsecured Lending, Portfolio Management, Risk Strategy, Product Management, or Retail Banking.
A strong understanding of consumer lending economics, credit risk, collections, and portfolio profitability.
The ability to analyze data, develop business cases, and translate insights into commercial actions.
Strong stakeholder management, communication, and influencing skills.

Responsibilities

Drive sustainable and profitable growth across the Cards and Lending portfolios by optimizing the balance between growth, risk, profitability, and capital efficiency.
Lead and manage test-and-learn programs designed to responsibly expand credit risk boundaries, including underwriting, pricing, line assignment, customer segmentation, and portfolio management strategies.
Evaluate business cases for portfolio initiatives and make recommendations based on risk-adjusted returns, customer outcomes, and long-term portfolio performance.
Own portfolio risk-return performance by monitoring key metrics including revenue, profitability, cost of risk, credit losses, customer lifetime value, ROA, and RoRWA.
Monitor portfolio performance at customer, cohort, and vintage levels, identifying emerging risks, performance trends, and opportunities to improve long-term profitability.
Partner with Credit Risk, Analytics, and Finance teams to develop and implement portfolio strategies that improve portfolio economics and support business growth objectives.
Identify opportunities to improve capital deployment and Risk Weighted Asset efficiency, ensuring optimal use of capital across Cards and Lending portfolios.
Act as the primary business point of contact for stress testing exercises, including developing business assumptions, interpreting results, and identifying mitigating actions.
Monitor collections performance and portfolio health through key indicators such as delinquency rates, roll rates, cure rates, recoveries, and net credit losses, ensuring collections outcomes support overall portfolio profitability.
Partner with Collections and Credit Risk teams to identify opportunities to improve portfolio performance across the customer lifecycle and incorporate learnings into future acquisition and portfolio strategies.
Develop portfolio dashboards, management reports, and performance reviews to provide timely insights into portfolio performance, emerging risks, and strategic opportunities.
Present portfolio performance, recommendations, and key business insights to senior management and governance forums to support effective decision-making.

Desired Qualifications

Experience managing portfolio performance, profitability, or risk-return frameworks is preferred.
Proficiency in SQL, data analytics, and management reporting tools is an advantage.

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?

What you will do

The role is responsible for driving sustainable and profitable growth across the Cards and Lending portfolios through disciplined portfolio management, risk-return optimization and capital efficiency.

The role will lead portfolio initiatives to expand credit risk boundaries, improve portfolio profitability and optimize portfolio returns, while ensuring resilient portfolio performance across economic cycles. Working closely with Credit Risk, Analytics, Finance and Collections teams, the role will use data-driven insights to identify growth opportunities, evaluate portfolio performance and drive actions that improve long-term portfolio returns.

Drive sustainable and profitable growth across the Cards and Lending portfolios by optimizing the balance between growth, risk, profitability and capital efficiency.
Lead and manage test-and-learn programs designed to responsibly expand credit risk boundaries, including underwriting, pricing, line assignment, customer segmentation and portfolio management strategies.
Evaluate business cases for portfolio initiatives and make recommendations based on risk-adjusted returns, customer outcomes and long-term portfolio performance.
Own portfolio risk-return performance by monitoring key metrics including revenue, profitability, cost of risk, credit losses, customer lifetime value, ROA and RoRWA.
Monitor portfolio performance at customer, cohort and vintage levels, identifying emerging risks, performance trends and opportunities to improve long-term profitability.
Partner with Credit Risk, Analytics and Finance teams to develop and implement portfolio strategies that improve portfolio economics and support business growth objectives.
Identify opportunities to improve capital deployment and Risk Weighted Asset (RWA) efficiency, ensuring optimal use of capital across Cards and Lending portfolios.
Act as the primary business point of contact for stress testing exercises, including the development of business assumptions, interpretation of results and identification of mitigating actions.
Monitor collections performance and portfolio health through key indicators such as delinquency rates, roll rates, cure rates, recoveries and net credit losses, ensuring collections outcomes support overall portfolio profitability.
Partner with Collections and Credit Risk teams to identify opportunities to improve portfolio performance across the customer lifecycle and incorporate learnings into future acquisition and portfolio strategies.
Develop portfolio dashboards, management reports and performance reviews to provide timely insights into portfolio performance, emerging risks and strategic opportunities.
Present portfolio performance, recommendations and key business insights to senior management and governance forums to support effective decision-making.

Bachelor's degree in Business, Finance, Economics, Statistics, Mathematics or a related discipline.
10+ years of experience in Credit Cards, Unsecured Lending, Portfolio Management, Risk Strategy, Product Management or Retail Banking.
Strong understanding of consumer lending economics, credit risk, collections and portfolio profitability.
Proven ability to analyze data, develop business cases and translate insights into commercial actions.
Experience managing portfolio performance, profitability or risk-return frameworks is preferred.
Strong stakeholder management, communication and influencing skills.
Proficiency in SQL, data analytics and management reporting tools is an advantage.

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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