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!

Sabrina SO

BSc in Risk Management Science
University of Toronto, Canada

During my exchange study in University of Toronto, I studied in Surveying modeling, probability and different distribution in Statistic and linear algebra in Mathematics. I also participating in various activities organized by different societies in the university, in which, I met lots of friends from all over the world and they enriched my exchange life a lot.

Apart from my study, this exchange experience helped me to be more independent and developed a clearer vision about my future and life goal. During the exchange, I lived in a town house with 3 roommates. Everyone has her own style of living and we need to learn to accommodate each other’s’ habit in order to live together. This strengthened my emotion and my cares towards others which is very important in ones’ personal development.
As a year 4 student, I also feel very frustrated about the future career path. The exchange period provided me a relax environment to experience more, learn more, meet more people. Under the relaxing, self-motivated and self-managed exchange life, I understand more about myself and discover the targets that I am longing for. Now, I have a clear goal that I work hard for.

I hope to express my sincere gratitude to the support from department and the sponsorship for my exchange study. This exchange does not merely give me a chance to explore more about the world, it also helps to equip me with more god personalities and strengths when encountering hardship. It enriches my life and enriches others’ life at the same time. During the exchange, I give advice and help to others. One day in the future, I will give what I receive to other student so that they can also gain a precious experience in their life time as what I can get now.