HSBC Group

Open positions: 1

Global Career Band: 6IC

Why join us? 

• AMH is the market leader for unsecured lending in Hong Kong.
• The AMH unsecured lending business is a key contributor to AMH WPB’s performance, generating 12% of its revenue.
• AMH WPB aims to grow an additional USD3.5bn in unsecured balances by end 2027, compared to the 2022 baseline. This will deliver USD300m incremental in-year revenue in 2027 v 2022 baseline.     

The Opportunity:  

• AMH is the market leader for unsecured lending in Hong Kong.
• The AMH unsecured lending business is a key contributor to AMH WPB’s performance, generating 12% of its revenue.
• AMH WPB aims to grow an additional USD3.5bn in unsecured balances by end 2027, compared to the 2022 baseline. This will deliver USD300m incremental in-year revenue in 2027 v 2022 baseline.     

What you’ll do:     

• 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.

What you will need to succeed in the role:       

• 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.

Please refer the Candidate User Guide in the below link to understand your own journey as a candidate.

https://hsbchrdirect.service-now.com/esc?id=kb_article&table=kb_knowledge&sysparm_article=KB0184596&sys_kb_id=712b5f041b1f82908d3a0fe7ec4bcbd6

You’ll achieve more at HSBC

HSBC is an equal opportunity employer 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. We encourage applications from all suitably qualified persons irrespective of, but not limited to, their gender or genetic information, sexual orientation, ethnicity, religion, social status, medical care leave requirements, political affiliation, people with disabilities, color, national origin, veteran status, etc., We consider all applications based on merit and suitability to the role.

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.

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(* The information contained in this job description is a true and accurate reflection of the job as specified.)