ID del contrato
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. 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.
Risk & Compliance 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, contingency, geopolitical, operational, credit, pension, insurance, market and reputation risks. All parts of the Risk & Compliance 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 a high calibre professional to join our team as an Head of IWPB Risk.
Principal Accountabilities:
- Lead risk management for the IWPB business, making a significant contribution to the delivery of the IWPB strategy, in line with Regional and Group level IWPB Risk strategy.
- Develop a strong team culture, ensure recruitment maintains the required skillset and experience, and drive development and career for the team. Collate staff feedback via surveys (eg GPS, Pulse etc) and implement subsequent action plans to make HSBC Best Place To Work and Best Place To Bank;
- Plan, co-ordinate and lead introduction of new risk management tools to support profitable business growth.
- Responsible for management of all credit decisions for full lifecycle (Secured and Unsecured) of Acquisition and Account Management strategies
- Ensure retail risk policies and procedures for all IWPB products are market competitive, compliant with regulatory and Group requirements, and forward looking with a view to future industry trends
- Responsibility for Wealth Risk Management framework ensuring a robust Wealth Governance structure (including new product approval, Third-Party Oversight Forum/TOF and Product Risk Oversight Committee/PROC attendance)
- Work with counterparts in Regional and Group IWPB Risk to fully leverage group skills and deploy automated decision wherever possible. This includes development of new Scorecards, Account Management and Collections strategies
- Responsible for all Retail Credit Risk regulatory compliance and processing risk
- Manage the internal and external relationship with Regulators, Group Auditors and Senior IWPB Management for all aspects of Retail Risk management
- Drive policies, processes and decision making that ensures Treating Customer Fairly (TCF) and Fair Value Estimates (FVE) outcomes for our customers
- Provide inputs into business planning and AOP process, using specialist knowledge of IWPB Risk
- Instill a proactive and joined up management approach to ensure Retail Risk are working together with all IWPB business units and other Risk Stewards when managing the risk strategies and recommending changes
- Identify and execute well considered opportunities that will result in improvements or adaptations of business practices. Constantly review, challenge and improve process efficiency/status quo. Drive implementation of change within IWPB Risk, including as part of wider Group initiatives. Ensure any new change impacting the credit life cycle has appropriate controls.
- Support new product launches, including up to date Risk Reward Programmes (RRPs) and all legal and regulatory changes, as required, on a timely basis.
- Escalate any areas of concern or emerging trends in terms of deteriorating credit quality, market / economic trends or reduced profitability across any of the IWPB portfolios to appropriate Risk Management forums / committees.
- Maintain HSBC internal control and conduct standards, including the timely implementation of audit points together with any issues raised by external regulators.
- As a member of the HSBC Vietnam Risk & Compliance top team, to ensure best practice sharing between teams and opportunities for collaboration and streamlining.
Postulación
Knowledge & Experience / Qualifications
- In depth knowledge of credit risk, particularly in relation to retail banking, including understanding of origination, portfolio management, analytics, and use of data to take decisions. Strong ability in credit modelling and stress testing would be advantageous.
- Broad understanding of other risk areas that will impact the IWPB risk profile
- Strong analytical understanding / mindset
- Broad knowledge of sector trends and regulatory environment, and how the broader macroeconomy may influence the IWPB business
- Ability to act with courageous integrity in decision making
- Ability to take personal accountability, be decisive, use common sense, empower others
- Strong communication skills to challenge as appropriate and provide expert guidance to the line of business
- Understanding of Risk and making decisions in highly complex situations where there are potentially major consequences for the business.
- Understanding of Vietnam state regulations and local bureau knowledge
- Strong leadership skills to inspire and lead teams in a constantly changing risk environment, with skills in talent management, communication and influencing.
- Experience in working with auditors, regulators and compliance
- Expertise in project management
- Fluency in English is required. Vietnamese ability is not required but advantageous.
You’ll achieve more when you join HSBC.
http://www.hsbc.com/careers
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.
Issued by The Hongkong and Shanghai Banking Corporation Limited