Job description

Some careers open more doors than others.

Our team is growing! We have a wide range of exciting growth initiatives planned for 2022 and now more than ever is a great time to get involved. This opportunity will provide you with a vast array of exciting projects to get stuck into! Whether that’s insight analysis, strategy and policy reviews, system migrations or eligibility model changes, this role will enable you to interact with a multitude of areas such as Modelling, Commercial & Deployment teams to name a few.

Global Risk is a thriving and expert risk management function supporting HSBC globally with all aspects of risk management. The team actively handles 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.

As an HSBC employee in the UK, you will have access to tailored professional development opportunities and a competitive pay and benefits package. This includes private healthcare for all UK-based employees, enhanced maternity and adoption pay and support when you return to work, and a contributory pension scheme with a generous employer contribution.

Due to the expansion of the Unsecured Credit Risk Management team we are currently seeking 5 x individuals to join in the role of Credit Risk Analyst.

In this role, you will:

• Develop, maintain and improve credit risk strategies to allow us to make high quality decisions for our customers driven by data;
• Provide analyses to run credit portfolios against agreed performance indicators;
• Support growth in the business through the delivery of WPB initiatives, supporting the design and roll-out of new lending products or enhancing existing product features;
• Assess the expected impact of proposals to understand how they will perform over time
• Ensure that the portfolio strategies and processes are aligned with the appropriate regulations and regulator guidance;
• Ensuring adherence to Group and Regional policy and FIM requirements, providing timely MI and insight into the performance of different portfolios and delivery of key Global/Regional Risk initiatives;
• Continually consider the Financial Conduct Authority (FCA’s) principle of ‘Treating Customers Fairly’ (TCF).

Requirements

To be successful, you should meet the following requirements:

• Possess a degree/qualification in an analytical/numerical field or equivalent;
• An analytical thought process, with excellent quantitative analysis skills is critical;
• Ability to draw conclusions based on analytic results, and present complex concepts and results in a way tailored to the audience is crucial;
• Excellent problem solving skills and attention to detail is key;
• Ability to run own time and own tasks within a project/piece of work is needed;
• You enjoy working collaboratively and are a clear communicator;
• You are motivated by making a positive contribution to how we support our customers and deliver for HSBC
• Experience of working with data using Excel, VBA, Python or SAS would be ideal, but not essential
• University work placement experience would be a bonus, but not essential

You’ll achieve more when you join HSBC.

At HSBC, we look to enable our employees to better balance their work / life priorities and have the flexibility required to meet challenging needs as they progress through different life stages. Where possible we will consider the following flexible working options: part-time working, job sharing, term-time working, and working from home and staggered hours. If in considering a role with HSBC you have a need for some flexibility in your working arrangements please discuss this with the recruitment team in the early stages of the application process.

As a business operating in markets all around the world, we believe diversity brings benefits for our customers, our business and our people. This is why HSBC is committed to being an inclusive employer and encourages applications from all suitably qualified applicants irrespective of ethnicity, religion, age, physical or mental disability/long term health condition, marital status, sexual orientation, gender identity, gender expression, genetic information (including characteristics and testing), military and veteran status, and any other characteristic protected by local law in the jurisdictions in which we operate. Within the work place you will have access to various employee resource groups which strive to promote and achieve a healthy work / life balance and support our diversity ambitions. HSBC has in place processes in order to avoid nepotism, which means to avoid creating circumstances in which the appearance or possibility of conflicts of interest may exist within the hiring process.

We want everyone to be able to fulfil their potential which is why we provide a range of flexible working arrangements and family friendly policies