Portfolio Manager, Card and Lending

Portfolio Manager, Card And Lending

• Application Deadline: 11 January 2026

Department: Product

• Employment Type: Permanent - Full Time
• Location: Hong Kong (SAR)

Description

About MoxMox 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 MoxEverything 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 seeking a highly analytical and strategic Portfolio Manager to drive the financial performance and operational efficiency of our credit card and lending portfolios. This critical role involves deep diving into key business drivers, translating operational metrics into financial outcomes, and leading cross-functional initiatives aimed at optimizing profitability, reducing costs, and enhancing portfolio health. The ideal candidate possesses a deep understanding of the technical infrastructure of card and lending products and the ability to solve complex, unstructured problems using data and strategic insight.·       Financial Performance Management: Monitor, track, and analyze the financial performance of the credit cards and lending portfolio against established budgets and forecasts. Identify variances and provide actionable insights to senior management.·       Driver Analysis & Modeling: Develop robust models that link key business drivers (e.g., activity, authorization rates, utilization, default rates, acquisition costs) to financial outcomes (e.g., Net Interest Income, Fee Income).·       Optimization Initiatives: Own and drive strategic initiatives focused on enhancing portfolio profitability and efficiency, including:

• Authorization Rate Optimization: Analyze transaction data to improve authorization success rates while effectively managing fraud risk.
• Scheme Cost Rationalization: Identify opportunities to reduce costs associated with card schemes (e.g., Visa, Mastercard fees) through strategic negotiation or operational changes.

·       Operational Efficiency: Collaborate with product and technology teams to ensure the technical setup and configuration of cards and lending products is efficient, scalable, and operationally sound.·       Data Analysis & Reporting: Utilize strong analytical skills and tools to transform raw data into clear, compelling narratives and reports for executive leadership.·       Problem Solving: Tackle complex, unstructured business problems with a high degree of ambiguity, using a combination of analytical rigor, business acumen, and creativity.·       Stakeholder Collaboration: Work closely with Finance, Risk, Product, Marketing, and Operations teams to implement changes, drive performance, and ensure alignment across the organization.

Responsibilities

• Financial Performance Management: Monitor, track, and analyze the financial performance of the credit cards and lending portfolio against established budgets and forecasts. Identify variances and provide actionable insights to senior management.
• Driver Analysis & Modeling: Develop robust models that link key business drivers (e.g., activity, authorization rates, utilization, default rates, acquisition costs) to financial outcomes (e.g., Net Interest Income, Fee Income).
• Optimization Initiatives: Own and drive strategic initiatives focused on enhancing portfolio profitability and efficiency, including:
• Authorization Rate Optimization: Analyze transaction data to improve authorization success rates while effectively managing fraud risk.
• Scheme Cost Rationalization: Identify opportunities to reduce costs associated with card schemes (e.g., Visa, Mastercard fees) through strategic negotiation or operational changes.
• Operational Efficiency: Collaborate with product and technology teams to ensure the technical setup and configuration of cards and lending products is efficient, scalable, and operationally sound.
• Data Analysis & Reporting: Utilize strong analytical skills and tools to transform raw data into clear, compelling narratives and reports for executive leadership.
• Problem Solving: Tackle complex, unstructured business problems with a high degree of ambiguity, using a combination of analytical rigor, business acumen, and creativity.
• Stakeholder Collaboration: Work closely with Finance, Risk, Product, Marketing, and Operations teams to implement changes, drive performance, and ensure alignment across the organization.
• Authorization Rate Optimization: Analyze transaction data to improve authorization success rates while effectively managing fraud risk.
• Scheme Cost Rationalization: Identify opportunities to reduce costs associated with card schemes (e.g., Visa, Mastercard fees) through strategic negotiation or operational changes.

Requirements

• Bachelor’s or Master’s degree in Finance, Economics, Business, or a related quantitative field with 5+ years of portfolio management, financial analysis, product management, or a similar role within the credit card or lending industry in Hong Kong. 
• Deep, technical understanding of the credit cards and lending business lifecycle, including product setup, transaction processing, risk management, and profitability drivers.
• Exceptional analytical and quantitative skills with the ability to collect, organize, analyze, and disseminate significant amounts of information with attention to detail and accuracy.
• Understanding of segmentation and propensity / risk models
• Technical Proficiency:
• PowerPoint: High proficiency in creating clear, impactful presentations for senior leadership.
• Data Visualization: Familiarity with data visualization tools, specifically Tableau.
• Analytical Tools: Proficiency with Excel and other relevant data analysis tools (e.g., SQL experience is a plus).
• A proven track record of solving unstructured problems and driving initiatives from insight to implementation.
• Strong written and verbal communications in both Chinese and English.
• PowerPoint: High proficiency in creating clear, impactful presentations for senior leadership.
• Data Visualization: Familiarity with data visualization tools, specifically Tableau.
• Analytical Tools: Proficiency with Excel and other relevant data analysis tools (e.g., SQL experience is a plus).