Job description
Some careers have more impact than others.
If you’re looking for a career where you can make a real impression, join HSBC and discover how valued you’ll be.
HSBC is one of the largest banking and financial services organisations in the world, with operations in 64 countries and territories. We aim to be where the growth is, enabling businesses to thrive and economies to prosper, and, ultimately, helping people to fulfil their hopes and realise their ambitions.
We are currently seeking an experienced professional to join our team in the role of Assistant Manager Credit and Risk - WPB RISK COE HUB CHINA.
Principal responsibilities
- Proactively manage the credit policy framework and ensure it’s updated in line with economic and portfolio trends, regulations and global/regional policies and guidelines.
- Develop product programs for AMH lending products with product manager and manage each product program to achieve AMH’s profitability goals within the risk appetite.
- Support the delivery of AMH key projects, including Transformation, HKMA regulatory requirement to ensure the compliance of the local regulatory requirement and business development.
- Administer the dissemination of credit policies. Recommend and implement new policies or policy changes. Coordinate with IT and operations to implement policy if necessary.
- Ensure regional compliance with all internal and regulatory controls in the dynamic local regulatory environment.
- Develop and manage MIS to reflect delinquency, loss, vintage, profitability, new acquisition trend, score performance and possibility to increase profit from new and existing customers.
- Analyze and identify potential areas of improvement in credit loss, product offers, credit procedures, etc.
- Escalate emerging risk issues timely and ensure appropriate mitigating actions are devised and implemented swiftly engaging all key stakeholders.
Requirements
- Degree holder with 3+ years of relevant professional experience in retail credit management, accounting, Retail Banking & Wealth Management, etc.
- Well-developed analytical skills, with proficiency in data analysis using statistical or database packages (including SAS, SQL and Excel).
- Highly motivated mindset, with the ability to work collaboratively with various parties to deliver assignments on time.
- Excellent written and spoken communication skills.
- Proficiency in both English and Chinese.
Candidate with less relevant experience or skills may be offered a lower Global Career Band than stated above.
Due to the urgent hiring need, candidates with immediate right to work locally and no relocation need will be prioritised.
You’ll achieve more when you join HSBC.
HSBC is committed to building a culture where all employees are valued, respected and opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working and opportunities to grow within an inclusive and diverse environment. 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.