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If you're looking for a career where you can make a real impression, join HSBC and discover how valued you'll be.
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 Senior Credit and Risk Manager AMH .
Support Head of RBWM Risk, AMH in managing the risk profile and loan impairment of the cards portfolio.
Proactively manage the credit policy framework and ensure it's updated in line with economic and portfolio trends, regulations and global and regional policies and guidelines.
Develop credit card programs and products, and manage each product program to achieve AMH profitability goals within the risk appetite.
Develop and embed risk strategy pertaining to credit cards to build a long term sustainable portfolio within risk appetite.
Administer the dissemination of credit policies.
Recommend and implement new policies or policy changes.
Coordinate with IT and operations to implement policy if necessary.
Ensure regional compliance with all internal and regulatory controls in the dynamic local regulatory environment.
Develop and manage MIS to reflect delinquency, loss, vintage, profitability, new acquisition trend, score performance and possibility to increase profit from new and existing customers.
Analyse and identify potential areas of improvement in credit loss, product offers, customer segments, credit procedures, etc.
Escalate credit cards emerging risk issues timely and ensure appropriate mitigating actions are devised and implemented swiftly engaging all key stakeholders.
Leverage data, analytics, models, bureau and systems to drive automated and timely actions for initial approval, proactive cross sell and exposure reductions.
Degree holder with extensive years of relevant professional experience in retail credit management, accounting, Retail Banking and Wealth Management.
Leadership role for significance of years, Credit Card risk management experience is preferable.
Well developed analytical skills, with proficiency in data analysis using statistical or database packages for example SAS, SQL or Excel.
Highly motivated mindset, with the ability to work collaboratively with various Customer Groups and external parties including regulators to deliver assignments on time.
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: 5275934
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