Lead Credit Risk Strategy Analyst
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Job Summary
Some careers open more doors than others.
If youre 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.
Our Risk and Compliance function has a critical role to play in supporting challenging and advising across all areas of the business through establishing policy monitoring profiles and identifying and managing forward-looking risk and compliance. We focus on creating an environment that encourages our people to speak up and do the right thing as well as protecting our customers the organisation and the integrity of the financial markets in which we operate. Already an industry-leader in many respects we want to continue setting standards and evolving to respond to strategic changes.
As a Lead Credit Risk Strategy Analyst you will play a key role in driving data-led decisions and strategy design for unsecured retail portfolios. Reporting to the Portfolio Manager youll have ownership over analytical initiatives and portfolio projects that shape how we lend manage risk and improve customer outcomes.
This is a high-impact role offering variety and challenge with the opportunity to influence strategic direction across credit lifecycle decisions including acquisitions account management and customers in financial difficulty.
In this role you will:
- Develop enhance and maintain credit risk strategies that enable high-quality data-driven decision-making balancing customer needs and business objectives.
- Drive complex analytical projects from inception to completion with minimal supervision ensuring outcomes are insightful actionable and aligned with business goals.
- Clearly communicating conclusions and proposals factoring in risk reward and customer impact and working collaboratively to drive informed decisions.
- Actively challenge existing policies and practices by offering clear evidence-based insights to drive better portfolio outcomes in alignment with overall business goals.
- Evaluate portfolio performance against agreed performance indicators identifying areas of concern or opportunity to ensure sustainable and responsible growth.
- Ensure risks and issues are identified tracked and addressed in a timely and transparent manner collaborating with relevant stakeholders to maintain strong governance and accountability across the portfolio.
- Create an inclusive and inspiring environment that motivates individuals to perform at their best. Youll ensure strong team engagement enhancing knowledge skills and confidence to enable a collaborative culture.
- Build strong relationships across the wider organisation offering insight and leadership to influence change and drive improvements in customer outcomes acting as a role model for HSBC values and behaviours.
To be successful in this role you should meet the following requirements:
- Essential experience in Retail Credit Risk with a focus on credit strategy or portfolio management.
- Strong technical and analytical skills with proficiency with SAS SQL VBA or Python to process large datasets generate insights and drive decision-making.
- Track record in delivering successful cross-functional projects with strong attention to detail and a structured approach to problem-solving.
- A strong understanding of retail credit products and consumer lending regulations (FCA) with experience of applying these in an unsecured consumer lending context.
- Excellent communication and stakeholder management skills with the ability to influence collaborate and drive action.
- A passion for leadership and people development with the ability to coach inspire and motivate a team.
- A degree or qualification in an analytical numerical or technical field or equivalent practical experience.
This role is based in Leeds on a hybrid working basis.
Youll achieve more when you join HSBC.
Opening up a world of opportunity
Being open to different points of view is important for our business and the communities we serve. At HSBC were dedicated to creating diverse and inclusive workplaces. Our recruitment processes are accessible to everyone - no matter their gender ethnicity disability religion sexual orientation or age.
We take pride in being a Disability Confident Leader and will offer an interview to people with disabilities long term conditions or neurodivergent candidates who meet the minimum criteria for the role.
If youd like to apply for one of our roles and need adjustments made please get in touch with our Recruitment Helpdesk:
Email:
Telephone: 44
Required Experience:
IC
Key Skills
- ISO 27001
- Microsoft Access
- Risk Management
- Financial Services
- PCI
- Risk Analysis
- Analysis Skills
- COBIT
- NIST Standards
- SOX
- Information Security
- Data Analysis Skills
About Company
HSBC Holdings plc is a British multinational investment bank and financial services holding company. It was the 7th largest bank in the world by 2018, and the largest in Europe, with total assets of US$2.558 trillion.
