HSBC Group

Business: Analytics

Open positions: 1

Role Title: Assistant Vice President - Business Consulting GSC’S

Global Career Band: 5

Location: Bangalore/Kolkata

Recruiter Name: Geetika Gupta

Why join us?

• Global Analytics Centre (GAC) provides support to various business groups and functions to drive analytics in decision making. The job responsibilities include data analysis, design, validation and calibration of credit, market and operational risk models. In addition, GAC also supports credit risk strategy development and implementation, monitoring and validation. This forms the basis for strategic planning by the senior management for businesses and enables effective decision making to satisfy business needs and requirements along with addressing unforeseen challenges.
• MENAT Credit Risk Strategy team is a key functional area within Retail Risk Analytics. The function supports Development, Deployment support and Monitoring of Strategies in Unsecured retail portfolios in the MENAT.
• The principal responsibility of this role relates to the MENAT Unsecured business. The position will report into the SVP - GAC Strategy & PI and will be responsible for all MENAT Unsecured Credit Risk Strategy related activities along with some wider Unsecured level strategic initiatives from GAC. 

What you’ll do:

• The role involves developing, enhancing and implementing Credit Risk Strategies for Unsecured Products of MENAT Region to meet Regional Growth objectives. The role also entails regular monitoring of existing strategies, reviewing portfolio and finding opportunities for further improvement (growth / risk-control). This role will entail oversight, project management & planning, thought leadership & the requirements include (but not limited to):
• Provide strategic and analytical support to the region, and design analytical solutions which are key enablers of growth for a Region while remaining within the Risk-appetite, and ensuring adequate risk controls
• This is to be done by understanding the business problem / context, and translating them to analytical solution based framework.
• Development / review / enhancement of Originations & Account Management strategies like Approve / Decline, Affordability & limit assignment, limit review, policy review, score cut-off review etc. to meet the Regional Growth Objectives
• Monitor and evaluate effectiveness of risk strategies, and continuously assess opportunities of improvement through hypothesis / champion-challenger framework
• Develop hypotheses and profitable growth scenarios and apply the right mix of qualitative and quantitative research techniques to identify causes and devise solutions best suited to meet the Regional Risk Priorities
• Conduct portfolio reviews/ analysis and provide insights/ share best practices across regions that could strengthen credit control and enhance portfolio risk monitoring. Identify early warning signals and risks/opportunities in the portfolio, and come up with a solution design to address the same
• Provide support through active role in cross-functional coordination to ensure smooth and timely deployment of models/ risk strategies
• Negotiation with / expectation management of stakeholders on complex open-ended business problems
• Additionally, the jobholder will coordinate with the Unsecured Risk area on any analytical requirements to project manage day to day activities, and ensure adherence to regulatory and governance standards.
• Keep self-updated of changes in the business / regulatory environment on an ongoing basis, so as to be able to anticipate customer needs, and support non-BAU projects / ad-hoc analysis as relevant, ensuring key takeaways are clearly articulated.
• Develop presentations that are “Business Ready”, to appropriately showcase the work done by the team, with appropriate story-telling and insightful interpretation of trends
• Critically evaluate process requirement, and streamline / automate / standardize accordingly, to bring in effectiveness and gain efficiency. Ensure release of target bandwidth.
• Ensure adherence with all the applicable compliance policies (Data security policy, AML, operational risk, Functional manual, Group Compliance Manual, Audit recommendations, Internal Control requirements, regulatory guidelines etc.) and business standards of Organization as applicable.
•  Functional guidance, project management and coaching of existing team

What you will need to succeed in the role:

• At least 8+ years of overall Analytics Experience with prior experience in managing risk activities in retail lending
• Prior experience in development of acquisition strategy, account management strategy or strategic analysis and portfolio management would be preferred.
• Excellent quantitative & technical aptitude. Ability to solve open-ended business problems.
• Proven leadership track record in dynamic/changing marketing environments
• Ability to build strong relationships both internally and externally
• Strong communication skills.
• B.Tech or Masters or Ph. D. degree in either Economics, Statistics, Engineering or any quantitative area or MBA (with quantitative background)

What additional skills will be good to have?

Relevant experience in wider Risk Analytics domain, specifically in the fields like scorecards, loss forecasting, Portfolio Insights/MI etc.

Link to Candidate User Guide:

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Go to the below link and type “IND GSC : IJP Applicant User Guide” in search bar.

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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.” 

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