Siu Yu LEUNG
BSc in Risk Management Science
Hang Seng Bank
I worked as an intern at the Retail Portfolio Management Department in Hang Seng Bank for the past year. During my internship, I completed various assignments and gained invaluable experience.
During the year, I wrote different kinds of monthly reports and performed ad-hoc tasks. As I worked in the Retail Portfolio Management Department, most of my work was related to retail products, such as credit cards, personal loans and mortgages. For example, I monitored the monthly card authorisation rate to detect if there were any sharp rises or drops in the approval rate. I also analysed weekly bankruptcy cases, trying to identify some characteristics of or patterns across these customers. Also, I investigated merchants for fraud aimed at swindling money from customers and banks.
From these assignments, I now understand much more about retail credit risks. For example, there were a large variety of retail products. Each product had different properties and required different measures to manage their risk. Moreover, my programming and computer skills improved a lot with my colleagues’ instructions and repeated practice.
Apart from learning hard skills, I also gained many soft skills. First, teamwork was vital in the office and the division of labour was always necessary for greater efficiency. Furthermore, time management was important as there was always more than one task to accomplish and prioritisation was essential.
Overall, this internship was a rewarding experience to learn, and to connect study and work. So, do not miss the chance if you have the opportunity to work as an intern!