Description:
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.
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 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.
In this role you will:
- Lead and develop Secured credit, property and climate risk policy for the UK, ensuring compliance with regulation and internal policy, driving good customer outcomes.
- Formulate and implement strategies and business cases to sustainably grow the portfolio within the Banks risk appetite and enhance revenue across the credit life cycle.
- Manage and develop MI and reporting to deliver actionable insight.
- Work closely with Global Risk Teams to ensure guidelines and procedures are followed and that best practice techniques are introduced where appropriate.
- Drive project prioritisation balancing risk and commercial driven initiatives and adapting to evolving demands
- Support the annual planning cycle providing insight and validation of loss forecast assumptions for the Secured portfolio.
- Work closely and collaboratively with key stakeholders providing risk / reward related analytics and specialist advice to support the management of the portfolio.
- Manage Secured credit risk governance, risks and controls through every day risk management representing Secured credit risk at key meetings and ensuring risks and issues are raised and effectively actioned
- Develop a highly motivated team through career development discussions, recognition, appraisal of performance and conduct day to day people management responsibilities.
Requirements
To be successful in this role you should meet the following requirements:
- Proven experience within portfolio management and credit strategy at a senior manager level preferably covering both residential and buy to let lending as well as property and climate risk.
- Experience of having devised and specified analysis to be performed by others.
- Relevant experience of working in an analytical or strategy role within financial services or an alternative data-driven organisation.
- Possess strong influencing, negotiation and excellent communication skills gained from previous roles.
- Excellent stakeholder management skills and ability to deal with multiple stakeholders at any one time.
- Experienced people leader able to motivate and develop teams.
- Strong understanding of the risk management framework.
- Highly developed analytical skills to extract information from data and translate to business language understanding customer and financial impacts.