Ref. no.: FM.02.082026

職位內容 Responsibilities

• 制定並執行公司整體投資策略，確保投資方向與保險負債特性、風險偏好聲明及資本充足要求相一致，並符合公司長期發展目標
• 全面管理公司投資組合，涵蓋固定收益、上市股票、私募債權、基金、結構性產品及不動產相關投資，對投資表現負最終責任
• 主導資產負債管理（ALM），統籌資產久期、收益目標及流動性安排，支持分紅、儲蓄及萬用壽險產品的收益承諾
• 建立並持續完善投資治理框架、投資政策聲明及風險限額體系，確保符合澳門金融管理局及集團的監管與合規要求
• 管理投資相關的監管資本計提（HKRBC/償付能力框架），在風險可控前提下優化資本效率與風險調整後回報
• 甄選、委任及監督外部基金管理人、託管行及投資顧問，定期評估其表現、費用合理性與風險控制
• 主導投資項目的盡職調查與交易結構設計，包括歐洲私募債權、結構性融資、基金專戶及保費融資相關資產
• 與精算、財務及風險管理部門緊密協作，支持IFRS 9/IFRS 17下的投資估值、會計分類及財務報告
• 定期向管理委員會、董事會及集團投資委員會匯報投資表現、風險狀況與市場展望
• 評估創新型投資機會（包括私募信用策略、數字資產產品等），推動投資端與產品端的策略協同

• Develop and execute the company's overall investment strategy, ensuring alignment with the liability profile, risk appetite statement and capital adequacy requirements in support of long-term corporate objectives
• Manage the company's investment portfolio across fixed income, listed equities, private debt, funds, structured products and real-estate-related investments, with ultimate accountability for investment performance
• Lead asset-liability management (ALM), coordinating asset duration, yield targets and liquidity planning to support the crediting commitments of participating, savings and universal life products
• Establish and continuously enhance the investment governance framework, investment policy statement and risk limit system, ensuring compliance with AMCM and group regulatory requirements
• Manage investment-related regulatory capital charges (HKRBC/solvency framework), optimizing capital efficiency and risk-adjusted returns within a controlled risk envelope
• Select, appoint and oversee external fund managers, custodians and investment advisors, reviewing their performance, fee reasonableness and risk controls on a regular basis
• Lead due diligence and transaction structuring for cross-border investments, including European private debt, structured finance, managed accounts and premium-financing-related assets
• Work closely with actuarial, finance and risk management teams to support investment valuation, accounting classification and financial reporting under IFRS 9/IFRS 17
• Report regularly to the Executive Committee, the Board and the group investment committee on investment performance, risk profile and market outlook
• Evaluate innovative investment opportunities (including alternative credit strategies and digital-asset-linked products), driving strategic synergy between the investment and product functions

• 大學畢業或以上，主修金融、經濟、統計或相關範疇；持有CFA、FRM等專業資格優先
• 七年以上資產管理、保險投資或跨境投資相關經驗，其中至少五年擔任投資管理或團隊負責人職位，並有良好的業績記錄
• 熟悉保險資金運用邏輯及資本管理框架（HKRBC/償付能力II），具監管資本計提及風險偏好聲明制定經驗優先
• 具備跨資產類別的實操經驗，包括固定收益、私募債權、結構性產品及基金投資，過往在國際大型基金公司或保險資產管理公司工作經驗優先
• 熟悉跨境投資架構與合規要求，具香港證監會持牌業務、愛爾蘭/盧森堡基金結構經驗者優先
• 具歐洲市場投資或盡職調查經驗優先；熟悉葡萄牙/歐洲保險集團運作者尤佳
• 出色的財務建模、估值及投資分析能力，能獨立完成交易結構設計與敏感性分析
• 具有優秀的溝通匯報能力，能向董事會及集團層面清晰呈報投資策略、組合表現與風險狀況
• 流利的英語和中文書寫及溝通能力；懂粵語，普通話優先考慮
• 持有澳門居民身份證或香港居民身份優先

• Degree holder or above in Finance, Economics, Mathematics or related disciplines; CFA, FRM or equivalent professional qualifications preferred
• 7+ years of experience in asset management, insurance investment or cross-border investment, with at least 5 years in an investment management or team leader capacity and a proven track record
• Solid understanding of insurance capital deployment and capital management frameworks (HKRBC/Solvency II); experience in regulatory capital charges and risk appetite statement development preferred
• Hands-on experience across asset classes, including fixed income, private debt, structured products and fund investments；experience in global asset managers or insurance asset managers preferred
• Familiar with cross-border investment structures and compliance requirements; experience with Hong Kong SFC-licensed businesses and Irish/Luxembourg fund structures preferred
• European market investment or due diligence experience preferred; familiarity with Portuguese/European insurance group operations a strong plus
• Outstanding financial modelling, valuation and investment analysis skills, with the ability to independently design transaction structures and run sensitivity analyses
• Excellent communication and reporting skills, with the ability to clearly present investment strategy, portfolio performance and risk profile to the Board and group level
• Proficiency in written and spoken English and Chinese; knowledge of Cantonese and Mandarin would be preferable
• Macau ID or Hong Kong residency preferred

• Updated and detailed resume (CV)
• Recent photo; 
• Any documentation (academic qualification certificates; prior employment letters; etc.) you find relevant;