WeLab Bank - Manager, Credit Risk (Trade & Supply Chain Finance)

WeLab, a leading pan-Asian fintech platform, operates two digital banks (WeLab Bank and Bank Saqu) as well as multiple online financial services in Hong Kong, Mainland China and Indonesia, with over 70 million individual users and over 700 enterprise customers. WeLab uses game-changing technology to help users access credit, save money, and enjoy their financial journey.

At WeLab, we always put our people first. Embarking on a career with WeLab means being part of the driving force to make financial services accessible for everyone. In our flat and agile organization, you will get all the opportunities to make real impacts and deliver change. Most importantly, while you achieve greatness, we will ensure you have an amazing experience at WeLab! 

Our team is energetic and passionate who can deliver and execute, and we are looking for intellectually curious, open-minded, and smart-working individuals who are just as passionate as we are about making financial services enjoyable. 

Join us to build a better financial future for everyone! 

About You:

You're a go-getter with mad juggling skills (or multiple hats) who can thrive in a fast-paced, agile environment 

You enjoy doing purpose-led and meaningful work 

You have a strong thirst for knowledge and are driven to find solutions that don't exist yet 

You are comfortable with ambiguity and extremely resourceful (in your past life, you could've been a detective) 

You always find a way to get things done without sacrificing the quality of your work, integrity, and values 

No task is off limits for you 

You are humble and prioritize the success of the team over your own with an eagerness to help those around you 

You don't shy away from challenges and can bounce back from setbacks 

What You’ll Do and What Success Looks Like

Develop, maintain, and continuously refine credit risk policies, approval frameworks, and decisioning rules for SCF, e-commerce seller financing, and cross-border trade products, ensuring alignment with risk appetite, business strategy, and HKMA/virtual bank regulatory requirements.

Perform in-depth data analysis on transaction, credit, and behavioral datasets to identify emerging risk patterns, portfolio vulnerabilities, and performance drivers; design risk segmentation, early warning indicators, and policy optimization recommendations.

Collaborate cross-functionally with product, business development, data science, technology, and operations teams to embed risk policies into product design, approval engines, monitoring dashboards, and customer journeys.

Monitor market trends, competitor practices, and regulatory developments in cross-border e-commerce and trade finance; proactively update policies, thresholds, and controls to maintain competitiveness and compliance.

Produce high-quality risk reports, policy documents, and executive briefings to support senior management decision-making, portfolio reviews, and governance forums.

Support model validation, back-testing, stress testing, and ad-hoc risk assessments for new products, segments, or market expansions.

What is Required and What We’re Looking For

Minimum 5 years in credit risk management, analysis, or policy development, ideally within banking, fintech, or trade/supply chain finance; experience in e-commerce seller financing or cross-border trade is highly preferred

Bachelor’s degree or above in Finance, Economics, Statistics, Data Science, Mathematics, or a related quantitative discipline

Deep understanding of risk dynamics in cross-border e-commerce platforms (e.g., Amazon SC/VC) or SME trade finance, including value chain risks, data sources, and alternative risk assessment techniques.

Proven track record in designing and implementing credit policies, decisioning logic, or risk models that drive business outcomes while controlling losses.

Excellent collaboration and influence skills, with experience navigating matrixed environments across business, product, tech, and compliance functions.

Proactive, adaptable, and resilient in a fast-paced fintech environment with strong ownership mindset.

Perks and Benefits to enrich your experience at WeLab:

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:

Asia Banking Finance Retail Banking Awards: Virtual Bank of the Year - Hong Kong  

CNBC Disruptor 50: the only Hong Kong-based company on the list 

Financial Times Asia-Pacific High-Growth Companies: #2 in ranking  

The Chinese University of Hong Kong “Corporate Innovation Index”: #1 in ranking 

We offer a competitive salary package to the successful candidate. If you are interested in joining this exciting team, please apply with resume via the "Apply" button below.

All information provided by applicants will be used for recruitment purposes only. Information of unsuccessful applicants will be destroyed within 24 months of receipt.