Senior Risk Analyst
Some careers grow faster than others.
If you're looking for a career that will give you plenty of opportunities to develop, join HSBC and your future will be rich with potential.
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, compliance, regulatory, market and reputational 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 ambitious individual to join the Risk Analytics and System Support team in Retail Credit Risk (RCR) in the role of Senior Risk Analyst. The RCR team is responsible for the development and management of HSBC's risk management framework across all Retail Banking Wealth Management (RBWM) products, supporting the business and ensuring risk strategies are focussed on maximising portfolio profitability across the full credit lifecycle spectrum.
This role will have primary responsibility of providing risk and profitability based analytics to support the management of RBWM Credit Card, Mortgage and Personal Loan portfolios.
Key responsibilities will include:
- Monitor and analyse the Bank's RBWM portfolios using sophisticated analytical models, with the purpose of formulating and implementing business cases to minimise risk and enhance revenue across the credit life cycle.
- Proactively identify problem areas and opportunities within the portfolios with processes and policy analysis to enhance the profitability of the portfolios.
- Manage and monitor the performance of automated credit scoring models and decisioning systems ensuring they support the risk/reward trade off with the emphasis on maximising customer profitability.
- Review and streamlining of all RCR Management Information for RBWM products, ensuring all critical deadlines are met.
- Support Risk Analysts to develop their technical skills by sharing best practice techniques.
- Assist in the implementation and ongoing enhancement of all HBAU decisioning and application/account management systems and strategies.
- Work closely with Hong Kong to ensure that regional guidelines and procedures are followed and that best practice techniques are introduced where appropriate.
Qualifications:
To be successful in the role you will need:
- Tertiary qualification in a relevant field such as Statistics or Mathematics
- Minimum 3 years' experience in modeling within a Consumer Risk Management Area
- Minimum 3 years' experience in SAS programming
- Experience in Visual Basic for Excel highly beneficial
- Comprehensive understanding of credit scoring and automated decisioning systems
- Experience in the use of Application Scoring Systems beneficial
- Experience in the use of the following systems desirable: Whirl / Vision Plus, TRIAD, SMG3
- Strong analytical and numerical skills teamed with excellent communication skills
You'll achieve more when you join HSBC.
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