If you're looking for a career that will give you plenty of opportunities to develop, join HSBC and your future will be rich with potential.
Global Risk is a thriving and expert risk management function supporting HSBC globally with all aspects of risk management. The team actively manages a varied and dynamic range of risk types, including security, fraud, information security, contingency, geopolitical, operational, credit, pension, insurance, financial crime and regulatory compliance, market and reputation risks. All parts of the Global Risk team use their skills, insight and integrity to handle established threats and those they see emerging, acting to protect and enable HSBC to deliver sustainable growth.
We are currently seeking a high caliber professional to join our team as Retail Credit Risk Manager .
Responsible for supporting the Regional Head of Unsecured Lending Risk on overseeing credit risks for retail unsecured lending portfolios
Partner with regional and country teams on business expansion initiatives, that is new markets, segments, channels, and provide guidance for balanced and sustainable growth
Work closely with country and Regional Analytics teams to devise acquisition and account management tests or strategies for credit cards and personal loans
Perform analysis on through the door profiles, channel risk, credit test performance, portfolio concentration and credit quality
Identify early warning signals and emerging risks, and propose actions to effectively control bad debts within appetite
Oversight of policy and governance framework, practices and standards to ensure effective risk management. Conduct thematic study and cross country benchmarking on policy or standards for best practice sharing and enhancement.
University graduate with relevant banking experience in retail credit risk management
Strong analytical capabilities. Skills on SAS or other data mining tools preferable.
Good understanding of consumer credit cycle, use of scorecards or analytics, product knowledge and profit dynamics
Ability to surface risks and institutionalize sound risk management controls
Ability to analyze business problem, recommend effective credit policies and risk mitigations in highly complex situations
Sound communication and organization skills
You'll achieve more when you join HSBC.
Candidate with less relevant experience or skills may be offered a lower Global Career Band than stated above.
HSBC is committed to building a culture where all employees are valued, respected and opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working and opportunities to grow within an inclusive and diverse environment. Personal data held by the Bank relating to employment applications will be used in accordance with our Privacy Statement, which is available on our website.
Internal Number: 5873381
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