Job description
Business: Risk & Compliance
Role Title: AVP - Decision Science GSC’s
Global Career Band: 5
Location (Country / City ): India-Bangalore/Kolkata
Recruiter Name : Geetika Gupta
The Opportunity:
Role purpose
Global Risk & Compliance (R&C) is a thriving and expert risk management function supporting HSBC globally. The
team actively manages a varied and dynamic range of risk types. All parts of the Global Risk 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.
The International Wealth and Premier Banking (IWPB) Risk function incorporates teams who provide risk oversight on
financial and non-financial risks for the scope of the business, encompassing Retail Credit across multiple markets,
Wealth, Global Private Banking, Asset Management and Insurance.
This role will be responsible for:
Work closely and collaboratively with key stakeholders such as Product Management and Collections, providing risk
/ reward related analytics and specialist advice to support the management of portfolios.
Develop, review and optimize credit risk policies for product
Monitor and optimise policy performance, vintage quality, approval rates, recommend changes as needed to enhance
portfolio performance, customer experience and profitability.
Proactively identify emerging risks, problem areas and opportunities within the WPB credit portfolios ensuring we are
proactively managing the portfolio under changing economic circumstances (e.g. Stress, CoVID-19).
Assist in the stress testing activities of the WPB Credit Portfolio.
Assist in the implementation and ongoing enhancement of all automated credit decisioning systems, models and strategies.
Support the Portfolio Risk Analysts to develop their technical skills by sharing best practise techniques.
Work closely with country and regional teams to ensure that regional guidelines and procedures are followed in country and
that best practise techniques are introduced where appropriate.
Review and streamlining of all WPB RISK Management Information for the WPB Risk – Assurance and reporting
function, ensuring all critical deadlines are met
Support in capturing and maintaining country Recovery and Recession dashboards.
Support in capturing and maintaining country Credit Risk Forum reporting as well.
Support in capturing and maintaining country Operational Risk forum reports
What you’ll do:
Accountabilities for Business, Customers and Stakeholders
Impact on the Business / Function
Assist in the monitoring and management of the strategies, processes and rules within the application systems, including
Developing a robust reporting suite across key WPB Risk oversight meetings and making comments, as appropriate to
Assist in the development and management of the WPB Risk MI framework and undertake adhoc analytics targeted at
Being in tune to macro-economic swings in Market of assignment to proactively recommend concerns.
Support WPB Stress Testing initiatives
Typical Targets and Measures
Meet overall LIC & Profitability targets by proactive risk management.
Detailed understanding of Application Scoring and automated decisioning strategies.
Optimal performance of all credit scoring models automated Credit Strategies.
Proactively identify and implement policy and process improvements through day-to-day work to enhance revenue.
Quality and feedback of the material produced for risk oversight meetings
Customers / Stakeholders
Build and maintain constructive working relationships with key internal and external stakeholders. Maintaining strong
Ensure all Service Level Agreements are met, and work is delivered error free.
Maintain a joined-up approach. Support all new product Launches, campaigns and amendments, RRP’s, projects, product
Provide key technical input on risk issues in the ongoing development and maintenance of WPB products.
Working with Regional and Global Analytics Team on key initiatives, model development and stress testing.
Typical Targets and Measures
Positive feedback from all relevant parties confirming (i) working together with other areas to meet common goals. (ii)
Feedback from relevant parties. All SLA's achieved and work delivered on time and error free.
Evidence of joined up approach and support for new initiatives.
Work together with members of WPB RISK team to meet common goals
.
Leadership & Teamwork
Continued development and knowledge building of risk management and detailed understanding of other key areas within
Attaining a detailed understanding of best practice for credit risk management and keep abreast of industry trends in
Mentor and assist in the development of the technical and analytical capabilities of the Risk Analysts and ensure they
Development of leadership and training skills
Requirements
What you will need to succeed in the role:
Functional Knowledge
Demonstrates strong knowledge of the people, processes and systems involved in the management of various risks.
Critical problem-solving skills, able to balance structured solutions vesus pragmatism as appropriate to business needs.
Strong prioritization and project management skills and be able to perform multitask under pressure, to meet challenging
deadlines, whilst retaining a keen eye for detail.
Ability to clearly articulate the Bank’s Global Principles, Risk Management and Non-Financial Risk Frameworks and be able
to demonstrate how these are embedded in the management of risks.
Excellent written and verbal communication skills, able to negotiate and work effectively with senior business leaders across
geographies and functions.
Ability to drive change and provide positive influence to achieve organizational goals.
Experience and capability to identify and evaluate risks and be able to articulate appropriate control solutions to mitigate the
risk
Able to make considered decisions that protect and enhance HSBC values, reputation and business.
Others
Bachelor’s or master’s degree in engineering / Statistics / Computer Application / Economics / Finance or equivalent streams
8 or more years of relevant analytics experience; particularly around Credit Risk Management including Portfolio Analytics.
Prior experience of working in the in-country Risk or Policy teams is preferred.
Understanding of Retail banking products & major Banking Regulations and its implications on the bank
Ability to simplify complex unstructured problems and recommend actionable solutions
Good theoretical and practical knowledge of tools [SAS, MS Office, VBA etc.] & statistics
Strong verbal and written communication skills
Strong analytical and problem-solving skills, solution oriented, flexible, pragmatic
Highly focused on project delivery, attention to details
Project Management Skills
Ability to work in cross-functional and multi-cultural teams. Strong collaborative, influencing and team building skills
Willing to work with colleagues in other areas/time zones, where appropriate
Internal candidates must meet performance and behavioral standards as per the policy.
(Or)
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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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招聘人员名称
Geetika Gupta
招聘人员电子邮件
geetika.gupta@hsbc.co.in