12/06/2026
Position : Credit Analyst (Fintech - Trade Finance)
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E-mail : [email protected]
Location : CyberPort
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Job Summary:
✨Our client is seeking a Credit Analyst specializing in trade finance to support risk assessment and credit decisioning for cross-border and domestic trade transactions.
✨This role focuses on evaluating counterparties, transaction structures, and underlying trade flows using both traditional financial analysis and alternative data sources.
✨The ideal candidate will combine strong credit fundamentals with an understanding of supply chain finance and digital lending platforms. This role is ideal for a professional individual who is passionate about technology, a selfstarter, and has a resilient mindset..
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Key Responsibilities:
✅Assess credit risk of importers, exporters, and SMEs involved in trade finance transactions, including invoice financing, purchase order financing, and receivables discounting.
✅Analyze financial statements, trade documents (e.g., invoices, purchase orders, customs/tax declarations, etc.), and transactional data to determine creditworthiness.
✅Evaluate transaction structures to identify risks related to counterparties, jurisdictions, goods, and payment terms.
✅Leverage alternative data (e.g., e-commerce sales data, payment flows, logistics data) to enhance underwriting decisions.
✅Monitor trade finance portfolios, including exposure limits, concentration risks, and delinquency trends.
✅Support the development and refinement of trade finance credit policies and risk models. Conduct country risk and industry risk analysis relevant to cross-border trade flows.
✅Collaborate with product, data, and operations teams to improve automated credit decisioning for trade finance products.
✅Ensure compliance with internal risk frameworks and external regulatory requirements, including AML/KYC considerations tied to trade transactions.
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Requirements:
✅Degree in Finance, Economics, Business, or a related field.
✅3 – 6+ years stable of experience in credit analysis, preferably in Trade Finance, Supply Shain Finance, or SME lending.
✅Strong understanding of trade finance instruments such as letters of credit, guarantees, invoice financing, and open account trade.
✅Proficiency in financial analysis and familiarity with trade documentation.
✅Experience with data analysis tools (Excel required; SQL/Python preferred).
✅Knowledge of cross-border risk considerations, including FX exposure and country risk.
✅Short Noted is an advantage
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Preferred Attributes:
✨Experience in fintech or digital trade finance platforms.
✨Familiarity with alternative data-driven underwriting approaches.
✨Understanding of regulatory frameworks relevant to trade finance (e.g., HKMA guidelines, AML trade-based money laundering risks).
✨Strong attention to detail and ability to assess complex transaction structures.
✨EAective communication skills for cross-functional collaboration
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Skills:
✅Fluent in Mandarin, English and Chinese
✅Strong analytical and verification skills.
✅Excellent communication & coordination abilities.
✅Proficiency in MS OAice and digital onboarding tools.
✅Ability to manage multiple tasks and adapt to ad-hoc projects.
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