WeLab Bank - Senior Officer/ Officer, 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 customer's financial status, Credit Bureau Report, internal credit history to recommend approval decision for personal installment loan applications
• Process credit applications according to credit policies and underwriting standards
• Manage and monitor loan portfolio to ensure credit quality and full compliance of internal policies and lending guidelines
• Perform verification to detect fraud application and prevent fraud
• Participant in projects with the aim of optimizing the credit operation and process

What is required and what we’re looking for

• Higher Diploma or above
• Minimum 2 years related experience in personal loan products. With approval delegation is an advantage
• Self-initiative and good team player
• Excellent interpersonal and communication skills

Will be great if you have:

• Experience in digital banking, virtual banking or fintech environments.
• Experience leading workflow automation, digital transformation or operational excellence initiatives.
• Experience managing system enhancement projects and UAT activities.
• Familiarity with capacity planning, productivity management and workforce optimization.
• Experience managing cross-border teams will be an advantage.
• Experience using AI-powered productivity tools, workflow automation platforms, data analytics solutions or emerging technologies to improve operational performance.
• Demonstrated ability to leverage technology and innovation to drive operational transformation and customer experience enhancement.

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.