Credit Risk Analyst

Some careers shine brighter than others. 

If you’re looking for a career that will help you stand out, join HSBC and fulfil your potential. 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 Wealth and Personal Banking business supports millions of individuals, families, business owners, investors and entrepreneurs worldwide. We provide products and services that include current accounts, credit cards, personal loans and mortgages, as well as savings, investments, insurance and wealth management. We also have specialised relationship managers who support customers with bespoke requirements, including high net worth and ultra-high-net-worth clients.

As an HSBC employee in the UK, you will have access to tailored professional development opportunities and a competitive pay and benefits package. This includes private healthcare for all UK-based employees, enhanced maternity and adoption pay and support when you return to work, and a contributory pension scheme with a generous employer contribution.

This is an exciting time to join the HSBC UK Credit Risk Management team. We have multiple roles available due to continued growth and investment across Retail Banking. These opportunities can be based across Leeds , Birmingham, Chester & Sheffield with Hybrid working from home. You will have the opportunity to work with an award winning function (winners of best credit modelling & risk team of the year, consumer credit team of the year and best use of technology in 2021). As part of our package we provide a range of training to support your continued development of banking, credit risk, leadership and technical skills. With multiple teams across the risk department, there are plenty of opportunities to grow and develop in your way!

Engaged employees are proven to deliver a better customer experience and, as a result, positively impact business performance.

A move across the business allows you to continue to access tailored professional development opportunities, and our fantastic benefits packages.

In this role you will:

• Develop, maintain and improve credit risk strategies to allow us to make high quality decisions for our customers driven by data & Provide analyses to run credit portfolios against agreed performance indicators;
• Support growth in the business through the delivery of WPB initiatives, supporting the design and roll-out of new lending products or enhancing existing product features;
• Assess the expected impact of proposals to understand how they will perform over time
• Ensure that the portfolio strategies and processes are aligned with the appropriate regulations and regulator guidance;
• Ensuring adherence to Group and Regional policy and FIM requirements, providing timely MI and insight into the performance of different portfolios and delivery of key Global/Regional Risk initiatives while continually consider the Financial Conduct
• Authority (FCA’s) principle of ‘Treating Customers Fairly’ (TCF).

To be successful in this role you should meet the following requirements:

• An analytical thought process, with excellent quantitative analysis skills is critical with Ability to draw conclusions based on analytic results, and present complex concepts and results in a way tailored to the audience is crucial;
• Experience of working with data using Excel, VBA, Python or SAS 
• Excellent problem solving skills and attention to detail is key;
• You enjoy working collaboratively and are a clear communicator;

This role is based in Leeds, Birmingham, Chester , Sheffield.

Opening up a world of opportunity