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If you're looking for a career that will unlock new opportunities, join HSBC and experience the possibilities. 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.
We are now inviting qualified individuals to join this team in the role of Head of RBWM Risk Malaysia.
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, operational, credit, pension, insurance, compliance, regulatory, market, reputation and geopolitical 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 an experienced professional to join the Global Risk team.
Impact on the Business
Specialist making a significant contribution to the delivery of the RBWM Risk strategy and results
Making strategic decisions at country level, in line with Regional and Group level RBWM Risk plans
Driving the delivery of objectives in line with wider strategy, to enable the achievement of business results
Responsible for management of all credit decisions for full lifecycle (Secured and Unsecured) of Acquisition and Account Management strategies
Plan, co-ordinate and lead introduction of new risk management tools to support profitable business growth.
Ensure credit policies and procedures for all RBWM products are market competitive and compliant with regulatory and Group requirements.
Develop a strong team culture and ensure recruitment maintains the required skillset and experience.
Responsibility for Wealth Risk Management framework ensuring a robust Wealth Governance structure (including new product approval, TCF and WMOC attendance)
Customers / Stakeholders
Manage the internal and external relationship with Regulators, Group Auditors and Senior RBWM Management for all aspects of Retail Risk management.
Drive policies, processes and decision making that ensures TCF and FVE outcomes for our customers.
Will input into business planning and AOP process, using specialist knowledge of RBWM Risk.
Instilling a proactive and joined up management approach to ensure Retail Risk are working together with all RBWM business units when managing the risk strategies and recommending changes.
Support new product launches, including up to date RRPs and all legal and regulatory changes, as required, on a timely basis.
Support approval of new wealth products, investments and procedures within wealth management and retail banking.
Work with counterparts in Regional and Group RBWM Risk to fully leverage group skills and deploy automated decision wherever possible. This includes development of new Scorecards, Account Management and Collections strategies.
Escalate any areas of concern or emerging trends in terms of deteriorating credit quality, market / economic trends or reduced profitability across any of the RBWM portfolios to Risk Management forums / committees.
Leadership & Teamwork
Cascades business strategy and goals globally, gaining support and commitment to their delivery.
Guides and supports management team in change the bank initiatives
Provide leadership and direction to all RBWM Risk staff via clear communication. Collate staff feedback via surveys (eg GPS, Pulse etc) and implement subsequent action plans to make HSBC Best Place To Work and Best Place To Bank.
Develop career and succession planning for key roles across RBWM Risk
Demonstrate a positive can do attitude at all times to ensure staff are aware of and deliver on their respective strategic plans.
Encourage internal and external business /economic knowledge gathering as well as encouraging appropriate training / staff development opportunities
Ensure local credit strategies are built with a view to future economic / industry trends and not just historical performance information
Ensure a forward looking view is provided to RBWM on wealth management in line with changing economic and regulatory framework
Operational Effectiveness & Control
Leadership over all regulatory and compliance matters and the management of operational risk
Drives the implementation of change within RBWM Risk, or part of wider Group initiatives
Identifies and executes well considered opportunities that will result in improvements or adaptations of business practices
Supports and embeds best practice management and administrative procedures in own business area.
Maintain HSBC internal control standards, including the timely implementation of audit points together with any issues raised by external regulators.
Observe Group Compliance Policy and maintain awareness of Operational Risk and minimize the likelihood of it occurring.
Maintain cost discipline, rationalize and consolidate risk expense and manage all budgets within plan
Ensure RBWM product based Stress Testing is completed at least once a year and Recession Planning framework is in place across the full credit lifecycle. Ensure methodology is regularly reviewed and complies with regional recommended approach
Qualifications Requirements :
In depth knowledge of credit risk, particularly in relation to retail banking and consumer finance. Broad understanding of other risk areas that impact RBWM risk profile
Strong analytical understanding / mindset
Broad knowledge of sector trends and regulatory environment
Act with courageous integrity in decision making
Take personal accountability, be decisive, use common sense, empower others
Communicate openly and honestly.
Be inclusive and collaborative.
Understanding Risk and making decisions in highly complex situations where there are potentially major consequences for the business.
Understanding the nature and dynamics of Risk and financial markets where the market context is highly complex, rapidly changing or is unprecedented.
Providing expert quidance for the line of business.
Establishing guidelines and policy for the line of business
Excellent understanding of originations and portfolio management techniques including sophisticated analytics, credit modeling.
Excellent understanding of other areas of risk including operational, small business and macroeconomy
Good Understanding of business areas outside of Risk e.g., Collections, Product, Finance, etc.
Good understanding of HSBC overall business dynamics, particularly Retail Banking
Strong leadership skills for constantly changing risk environment
Experiences in working with auditors, regulators and compliance
Expertise in project management and good interpersonal skills
Great leader in talent management, communication and influencing
HSBC takes pride in a diverse and inclusive working environment that sees our people benefit from mentoring, flexible working and the support of Employee Resource Network Groups. 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 HSBC Bank Malaysia Berhad.
Internal Number: 6553156
About HSBC Bank (M) Berhad
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