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If you’re looking for a career that will unlock new opportunities, join HSBC and experience the possibilities. Whether you want a career that could take you to the top, or simply take you in an exciting new direction, HSBC offers opportunities, support and rewards that will take you further.

Global Risk

Global Risk is a thriving and expert risk management function supporting HSBC globally with all aspects of risk management. The team actively manages a varied and dynamic range of risk types, including security, fraud, information security, contingency, geopolitical, operational, credit, pension, insurance, financial crime and regulatory compliance, market and reputation risks. 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

VP, Credit Policy, Retail Assets

The purpose of the role is to support policy development and downstream tracking and course correction for Unsecured Lending products with a specific focus on cards portfolio management programs like CLI/BB. The role will include the following:

Policy formulation and optimization for -

Unsecured Acquisitions and monitoring of acquisition quality/ early delinquency Cards portfolio management - CLI and Balance build programsCredit Limit Increase – both proactive and reactiveBalance Build / Revenue Enhancement offerings for Cards such as Balance Transfer, Cash on EMI, Loan on PhoneAuthorizations and Overlimit usage

Exposure Management actions such as CLD / BlockingCross Sell opportunities for liability and asset customersPortfolio bureau score migration and portfolio risk grade monitoringOversight and management of policy implementation on Credit Decision Rule SystemTracking of portfolio performance and policy changes for course correctionInitiation of activation, utilization and retention strategies as appropriate for different portfolio segments and ensure that all aspects of portfolio management result in metric profiles consistent with approved credit card program.Ensure policies and programs are compliant with Local Regulations and HSBC FIM/RG – ICS and DQInteractions with business stakeholders to capture policy asksGeneration of Analytics / MIS to support policy changes and policy tracking

Principal Accountabilities: key activities and decision-making areas

Responsible for supporting INM IWPB Unsecured Risk Head to manage credit risks for retail unsecured lending portfolios.Perform analysis on credit test performance, portfolio concentration and credit qualityIdentify early warning signals and emerging risks, and propose actions to effectively control bad debts within appetitePartner with regional and local market teams on business expansion initiatives (new markets, segments, channels, etc.) and provide guidance for balanced and sustainable growthWork closely with Regional Analytics teams to devise acquisition and account management tests / strategies for credit cardsEnsuring required documentation – Policy, change communication, governance and guidelines. Ensure adherence to and compliance of Risk controls