Senior Regional Credit Risk Manager - Global Risk
HSBC Group
Kowloon City, Hong Kong
5天前

Job description

Some careers have more impact than others.

If you’re looking for a career where you can make a real impression, join HSBC and discover how valued you’ll be. Whether you want a career that could take you to the top, or simply take you in an exciting new direction, HSBC offers opportunities, support and rewards that will take you further.

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, 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 calibre professional to join our team as a Senior Regional Credit Risk Manager.

Principal Responsibilities

  • Act as 2nd line of defence risk steward for credit risk in advising unsecured lending risk appetite, enforcing guiding principles on credit policy framework and control standards
  • Design and assess effectiveness of risk controls and assurance / reporting mechanisms, so thematic issues or material portfolio quality exceptions get surfaced timely for proper attention
  • Take charge on acquisition and portfolio decision strategies with emphasis on customer experience, market competitiveness and sustained profitability.
  • Explore use of new data or third party tools / data to enhance decision precision

  • Responsible for supporting the Regional Head of Unsecured Lending Risk on overseeing credit risks for retail unsecured lending portfolios
  • Partner with regional and local market teams on business expansion initiatives (new markets, segments, channels, etc.) and provide guidance for balanced and sustainable growth
  • Work closely with Regional Analytics teams to devise acquisition and account management tests / 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 / standards for best practice sharing and enhancement
  • Requirements

  • University graduate with rich banking experience in retail credit risk management, preferably with exposure across multiple markets
  • Strong analytical capabilities. Knowledge 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 analyse 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.

    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.

    Issued by The Hongkong and Shanghai Banking Corporation Limited.

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