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 shape and drive! 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 2 x individuals to join in the role of Credit Risk Manager.

In this role, you will:

• Lead a range of analytical projects for the team, shaping the delivery to support business growth objectives with a focus on delivering high quality decisions for our customers driven by data
• Be accountable for the integrity and accuracy of delivered results;
• Set our control framework, run the credit portfolios against agreed performance indicators and effectively communicate the level of risk we’re taking
• Prioritise and plan projects delegating effectively to develop team members, whilst handling and challenging requests for unplanned or ad-hoc work
• Clearly communicate proposals to gain consensus to strategy changes from partners across the organisation
• Supervise the quality of the analysts' work, ensure they are adopting standard methodologies and sharing knowledge effectively
• Positively support the vision and strategy of the department, working with the Senior Leadership Team to engage and empower team members.
• Maintain compliance with regulation
• Challenge established policy and procedures, where appropriate and suggest alternatives

Requirements

To be successful in this role you should meet the following requirements:

• Highly developed analytical capabilities using relevant software packages to analyse data is needed, i.e. SAS/SQL/VBA;
• Experience of successful project management working across teams to deliver complex analytical projects is essential;
• Previous experience in a relevant role, i.e. Credit, Risk Analytics or an Analysis based role is essential
• You enjoy working collaboratively within a team and can build positive relationships to achieve shared goals
• You are a clear communicator and are able to confidently communicate complex information to a diverse audience across the business;
• You are highly motivated and focussed on making a positive impact on our customers and HSBC
• A detailed understanding of credit risk and the drivers of profitability in the business is essential;
• Relevant product knowledge including retail products, such as current accounts, credit cards, loans or mortgages is desirable;
• A good knowledge of application processing, data warehousing and external credit bureau functioning is desirable;
• Possess a degree/qualification in an analytical/numerical field or equivalent.

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 aim 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