WeLab Bank - (Assistant) Manager, Credit Approval

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 in this role

• Review and assess the financial status of customer, including their credit reports and investment profiles, to recommend approval decisions for premium financing applications.
• Process and approve credit applications in accordance with the company’s credit policies, underwriting standards, and risk appetite for the premium financing portfolio.
• Manage and monitor the premium financing loan portfolio to ensure high credit quality and full compliance with internal policies and regulatory guidelines.
• Perform enhanced due diligence and verification to detect and prevent potential fraud in applications.
• Collaborate with the business development and wealth management teams to provide insights and analysis aimed at optimizing credit processes and supporting business growth in the premium financing segment.
  

What is required and what we’re looking for

• Higher Diploma or above in Finance, Business Administration, or a related discipline.
• A minimum of 5 years of related experience in credit approval, preferably focused on affluent or high-net-worth customer segments. Direct experience with premium financing or other wealth management-related credit products is a significant advantage.
• A proven track record of holding a personal credit approval authority (discretionary lending limit) is required.
• Possesses a strong analytical mindset with excellent interpersonal and communication skills.
• A self-motivated individual who is also a dedicated team player.
• Candidates with less experience but relevant exposure may be considered for the role of Assistant Manager.
  

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.