Portfolio Management - Risk

Some career choices have more impact than others.

At HSBC we exist with the purpose of Opening up a World of Opportunity. We use our unique expertise, capabilities, breadth and perspectives to provide opportunities for our customers and colleagues through global connectivity. We bring together the people, ideas and capital that nurture progress and growth, helping to create a better world – for our customers, our people, our investors, our communities and the planet we all share.

As an HSBC employee in Australia, you’ll have access to tailored professional development opportunities, competitive pay, an embedded flexible working culture and a range of employee benefits. These include market-leading subsidised private health cover, enhanced parental pay and support when returning to work, subsidised banking products and services, bonus leave days and wellness programmes including discounted gym memberships.

Global Risk & Compliance is a thriving expert Risk Management function supporting HSBC globally across 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 & Compliance function use their skills, insight and integrity to handle established threats and those they see as emerging, acting to protect and enable HSBC to deliver sustainable growth. 

We are currently seeking an ambitious individual to join the International Wealth and Personal Banking Risk (IWPB Risk) team in the role of Portfolio Risk Analyst, Secured on a 2 Year Fixed Term Contract. The IWPB Risk Team is responsible for the development and management of HSBC’s Risk Management framework across all Wealth and Personal Banking products, supporting the business and ensuring risk strategies are focussed on minimising losses across the full credit lifecycle of our customers. This role is specific to the portfolio Risk Management of Mortgages in Australia. 

The production of high-quality detailed portfolio information is an essential function of the WPB Risk Team and therefore strong numerical understanding, written language and attention to detail is essential for this role. 

Your main responsibilities will include:

• Production and ongoing review of IWPB Risk Management Information for the IWPB product, ensuring all reports are produced error free and within agreed deadlines.  
• Assist in the Portfolio management of the HBAU Mortgage book providing risk and profitability related analytics.
• Production of strategy and credit scoring tracking for the Mortgage Portfolio ensuring strategies support the risk/reward trade off with the emphasis on maximising customer profitability.
• Support the IWPB Mortgage Portfolio reporting requirements for regulators.
• Assist with the ongoing review and improvement of the credit policy framework for mortgage lending and the implementation and testing of credit strategy changes.
• Liaise with teams across the business such as Finance, Product and Collections on projects, campaigns, capital management, process changes and regulatory/compliance changes.
• Assist in the tracking of the Australian housing market and review of industry indicators

To be successful in the role you will need: 

• Tertiary qualifications
• Excellent communication, organisation and time management skills
• Strong attention to detail with aptitude for quantitative and qualitative analysis
• Able to work independently and contribute as a team player
• Ability and desire to self-manage knowledge and skillset building
• Strong working knowledge of SAS/SQL, MS Office (Word, Excel, PowerPoint) will be an added advantage

Preference will be given to candidates who hold Australian PR/Citizenship or New Zealand Citizenship, or who can demonstrate current unrestricted work rights in Australia without limitations.


We value different perspectives, we succeed together, collaborating across boundaries, we take responsibility, holding ourselves accountable to get things done. Through these values, HSBC is committed to building a culture where all employees are appreciated and respected and where opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working and opportunities to grow in an inclusive environment. Applications from First Nations peoples are encouraged.

Learn more about careers at HSBC Australia – https://www.hsbc.com/careers/where-we-hire/australia. 

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 Australia Limited.  Please note that HSBC will we never communicate to applicants via non HSBC channels such as SMS, WhatsApp or Facebook so please be careful if anyone attempts to contact you via these channels.