Job Description

Job description

The health and safety of our employees and candidates is very important to us. Due to the current situation related to the Novel Coronavirus (2019-nCoV), we\xe2\x80\x99re leveraging our digital capabilities to ensure we can continue to recruit top talent at the HSBC Group. As your application progresses, you may be asked to use one of our digital tools to help you through your recruitment journey. If so, one of our Resourcing colleagues will explain how our video-interviewing technology will be used throughout the recruitment process and will be on hand to answer any questions you might have.

Some careers grow faster than others.

If you\xe2\x80\x99re looking for a career that will give you plenty of opportunities to develop, join HSBC and your future will be rich with potential. 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, operational, credit, pension, insurance, compliance, regulatory, market, reputation and geopolitical 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.

We are currently seeking an experienced professional to join this team in the role of Manager Portfolio Risk Management (Unsecured).

Principle Responsibilities

• Responsible in developing, review and implementation of policies related to retail unsecured risk (Cards, Personal Loan, Overdraft).
• Steer engagements with ASP, GAC and vendors (projects) in BAU and adhoc performance reviews, test or enablers proposals, designs of new initiatives and projects.
• Performs/ conducts periodic reviews of product and policy programs and annual renewal of RRP and Risk Mitigation program.
• Leveraging on MIS, reporting tools and excel skill set, to steer MIS analysis and early warning triggers in ensuring credit quality.
• Support and protect the portfolio quality of unsecured portfolio against agreed set KPIs by conducting periodic portfolio review.
• Drives analytics to support in internal and external audit deliverables and reviews.
• Steer and support in systems automation and implementation of policies/ strategies (credit origination, decision engine and TRIAD).
• Ensure maximum effectiveness of the risk management functions.

Requirements

• Minimum with Degree qualification and with at least five years of banking experience;
• Retail banking experience are required (solid knowledge in credit cycle).
• Sound experience in local regulations and guidelines related to unsecured products.
• Detailed understanding of end to end credit cycle and appreciation of credit risk issues throughout the portfolio lifecycle, to include application risk assessment; risk-based portfolio management techniques; and managing the interface between credit risk and fraud;
• Excel proficiency.
• SAS, Qlikview and experience in machine learning (e.g. Python) will be an advantage.
• Team player with good interpersonal and communication skills and ability to interact with all stakeholders in the Bank, with capability to interpret complex regulatory and business requirements, and translate these requirements for execution and implementation.
• Analytical and high aptitude towards agility and transformation.
• Aptitude for technical/system related work will be an added advantage.

Due to the urgent hiring need, candidates with immediate right to work locally and no relocation need will be prioritised.

You\xe2\x80\x99ll achieve more at HSBC.

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. Personal data held by the Bank relating to employment applications will be used in accordance with our Privacy Statement, which is available on our website.

Issued by HSBC Bank Malaysia Berhad

HSBC