IBM Business Transformation Consultant: Risk Management in Shanghai, China

Senior Credit Risk Consultant/Manager Job Location: Beijing/Shanghai/Shen Zhen Core Responsibilities:

  • Responsible for supporting the client’s overall credit risk (both corporate and retail credit) engagement and project delivery activities

  • Develop and build core enterprise risk management solution, credit risk management solutions, assets to enhance credit risk consulting capabilities

  • Be experienced in building rapport with clients, establishing a trustworthy relationship

  • Experienced in drafting RFPs, RFIs and project proposals for credit risk projects.

  • Had project management experience and as a key SME (subject matter expert) delivery team leader in project delivery

  • Had prior experience and knowledge with key credit risk vendors and their implementation methodology

  • To be able to leverage available IBM resources and liaison with other IBM credit risk initiatives and solutions

  • Represent IBM at high level conferences and workshops in credit risk related areas.

  • A fast learner, with positive attitude and a team player

    Qualifications (education, seniority, professional experiences, etc.):

  • At Least 5 years proven experience in commercial bank, investment bank or leading consulting companies on credit risk and Basel II/Basel III areas

  • Very strong in credit risk management knowledge and practical management experience, especially in one or more of the following areas:

  • RWA

  • Risk Data Mart

  • Economic capital, RAROC and capital allocation

  • Collateral management, CRM optimization

  • Obligor and credit facility rating, including rating models, business processes (PD/LGD)

  • Balance sheet loan and deposit pricing methodology and management

  • Integrated risk management reporting and risk indicator based management framework

  • Basel II/Basel III initiatives


  • Excellent knowledge of credit risk management business processes, credit lifecycle management; from credit origination, risk rating, risk review, risk limit management to risk reporting, monitoring, risk policy, risk governance, etc

  • Very Good knowledge of the functionalities and implementation experiences on key credit risk product vendors, such as Reveleus/Oracle, Fermat/Moody’s, Sunguard, Algorithmics, Moody’s KMV, Kamakura, SAS, Fair Isaac, etc

  • Preferably with a master degree in risk management related fields with good quantitative/IT skills. CFA or PRMIA or GARP qualification also desirable.

  • Prior working experiences in international and domestic financial institutions are highly required

  • Willing to travel to fulfill business needs

Other Competencies:

  • Excellent communication and presentation skills

  • Good written and verbal English and Mandarin language skills

  • Good understanding of risk database warehousing and experience with credit risk software integration.

  • Desirable but not a prerequisite: Software skills (C, C++, VB, Matlab, SPSS), or other statistical packages plus application software integration knowledge such as SAS, Algo, Credit manager, Kamakura

1) financial consolidation, close and reporting including chart of accounts design and configuration and accelerated close; 2) planning, budgeting & forecasting including EPM strategy and process design, EPM package evaluation, selection and design and specialty package optimization (e.g., SAP BPC, Oracle Hyperion, Cognos Controller); and 3) financial business intelligence, analytics and information management including financial and non-financial Key Performance Indicator (KPI) rationalization and selection, balanced scorecard design and development, executive dashboard design and development and Finance information strategy, design and execution.

GIC- China

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