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're 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 have more impact than others.

If you're looking for a career where you can make a real impression, join HSBC and discover how valued you'll be.

HSBC is one of the largest banking and financial services organisations in the world, with operations in 64 countries and territories. We aim to be where the growth is, enabling businesses to thrive and economies to prosper, and, ultimately, helping people to fulfil their hopes and realise their ambitions.

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).

Principal Responsibilities:

• Assist in developing, review and implementation of policies related to retail unsecured risk (Cards, Personal Loan, Overdraft)
• Assist in reviews and designs of new initiatives and projects
• Assist to perform/ conduct periodic reviews of product and policy programs
• Assist in Risk Mitigation programs renewal and reviews
• Leveraging on MIS, reporting tools and excel skill set, to assist in 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
• Analytics support in internal and external audit deliverables and reviews
• Support in systems automation and implementation of policies/ strategies (credit origination, decision engine and TRIAD)
• Ensure maximum effectiveness of the risk management functions

Requirements

Requirement:

• 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'll 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