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Credit Risk Analyst

  • Birmingham (West Midlands)
  • Comptabilité / Contrôle de gestion

Description de l'offre

The role of the Credit Risk Analyst is based within Retail Banking and Wealth Management (RBWM) Retail Credit Risk.

The role of the Credit Risk Analyst is to drive improvements in the performance of the UK unsecured portfolios (credit cards, loans, and overdrafts) and manage credit risk. This will be achieved through analysing, and interpreting data from a variety of sources to provide analytical solutions to complex business problems. You will be expected to work to a plan and results must be provided in a timely and accurate manner. You will be required to clearly communicate progress and issues to stakeholders, and to formulate conclusions / communicate the impacts of your work.

The jobholder is expected to work independently managing multiple stakeholders across the organization, business areas such as Customer Value Management, Finance and Regional Risk Analytics.

An element of the work involves supporting projects either driven from within Credit or from our external partners ensuring the projects have considered Credit implications and deliver an outcome with sustainable and appropriate level of returns. Full training and support will be on offer.

Your responsibilities will include:
· Work on a range of analytical projects with training and guidance
· Develop, maintain and improve credit risk strategies to manage decisions throughout the credit lifecycle
· Provide analyses to manage credit portfolios against agreed performance indicators
· Provide support to business areas where queries arise regarding risk strategies
· Control, review, monitor and manage aspects of Credit risk
· Ensure that the losses experienced by the portfolios are controlled and predictable in line with business expectations
· Ensure that the portfolio strategies and processes are compliant with the appropriate regulations and regulator guidance
· Support the delivery and implementation of RBWM initiatives by providing input on both the Credit requirements and the impacts of proposed changes. Projects will mostly focus on credit risk but, may, from time to time extend to other areas of risk within RBWM
· Continually consider the Financial Conduct Authority (FCA's) principle of ‘Treating Customers Fairly' (TCF)
· Develop and maintain strong relationships with UK business teams

Profil recherché

Qualifications :

The ideal candidate for this role will have the below experience and qualifications:
·  Role relevant qualifications, i.e. educated to degree level in a numerate/science subject is essential
·  A graduate with a relevant degree will be considered for the role
·  Past working experience on relevant systems is desirable but not essential, i.e. having applied mathematical/statistical techniques to data
·  Experience of using relevant software packages is desirable but not essential, i.e. SAS / SQL / Microsoft Office
·  Experience of using the following is desirable but not essential, Python, MATLAB, Cobra, Visual Basic
·  Experience working in relevant market/context is desirable but not essential, i.e. excellent knowledge in all aspects of retail banking, credit risk management
·  Relevant product knowledge including knowledge of Credit Cards, Current Accounts, Loans, Mortgages is desirable but not essential
·  A flexible and adaptable approach to change and will support others to respond in a similar way
·  Ability to achieve targets and meet expectations whilst supporting and encouraging others to do the same
·  Both spoken and written communication skills with experience of adapting your style and approach to the audience and message to be delivered
·  Contributed productively to team objectives, sometimes supporting and sometimes leading activities to achieve shared goals
·  Experience of making timely and rational decisions, based on relevant information and experience
The base location of this role will be either Leeds or Sheffield. Candidates interested in working in Birmingham will be considered as well.

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.