HSBC Group

Role purpose

• Co-ordinate and manage projects; typically working on smaller/medium projects/assignments
• Assist in delivery of larger projects
• Implement company policy and contribute to the attainment of functional results
• Ensure the quality of tasks/services provided by colleagues, involving regular process checks or review of output by a co-worker and/or supervisor
• Provide advice and assistance through application of acquired knowledge
• Identify and escalate issues
• Communicate technical/sensitive information
• Understand and adhere to established policies and procedures in own team
• Support change initiatives and escalate any concerns

Main activities

• Produce risk reports for retail, across complete credit cycle: evaluation, portfolio, and collections. 
• Performance Monitoring of Models: Scoring, Income, Prepayment and NCL forecasting
• Produce executive materials for credit risk forums / committees, used to support business decisions
• Monitoring of risk distribution, to ensure acquisition is aligned to risk appetite / credit limits
• Data analysis to support Portfolio Managers to identify any opportunity for loosen / tighten credit policy:
  • Maintain close communication with Portfolio Managers
  • Record requests of portfolio managers to facilitate proper prioritization.
  • Identify trends in KPI, as well as proactive research to understand relevant movements.
• Continues improvement in our control environment:
  • Continue enhancement of our processes and documentation.
  • Automation of manual steps in our processes to reduce operational risk
  • Deliver risk reports in time according to Service Level Agreements (SLA)
• Timely escalation of any data issue and / or finding, as well as any delay of inputs
• Participate in prove of concept (PoC) of new analytical tools (e.g. Google Looker or other cloud native)

Functional Knowledge / Skills

• Background in actuarial science, mathematics, economics, or related quantitative fields, the candidate is required to have critical thinking and problem-solving skills.
• Programming skills
  • Proficiency in any programming language, which need to be proved (certifications, exams, courses, etc), additional points if the programming language is SAS, SQL and / or Phyton.
  • Advanced Excel, with experience on pivot tables, advanced filters, conditional format, macros, solver, connection with external data (e.g. SAS) and creation of dynamic dashboards with slicers (mandatory)
  • Experience with tools for data visualization would give additional points

Knowledge on technical areas:

• Credit Risk: understanding and ability to explain basic KPIs as: PD, LGD and CCF, as well as order relation across banking products (e.g. how is Mortgage compared to Unsecured LGD)
• Financials: Relation between general ledger and income statement, profitability ratios (e.g. RoTE), prepayment on amortization tables, relation of interest curves and central bank, etc.
• Statistics: understanding of linear regressions (logistic, XGB, RF, etc), as well as indicators to assess model performance (e.g. Gini, PSI, confusion matrix, etc.)

Soft Skills

• Intermediate English level, to produce comments on KPI trends for global stakeholders.
• Ability to learn new concepts / skills by himself with no support from a third party (self-learner)
• Attention to detail to identify errors and proactivity to identify opportunity areas to implement controls.
• Strong communication skills, to explain complex technical concepts with few words

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.