Strategic Credit and Risk Manager

4 weeks ago


Guangzhou, Guangdong, China HSBC Full time

HSBC is a global banking and financial services organisation with operations in 64 countries and territories. We aim to be where the growth is, enabling businesses to thrive and economies to prosper.

We are seeking an experienced professional to join our team in the role of Assistant Manager Credit and Risk - WPB RISK COE HUB CHINA (AMH H.

Key responsibilities include:

  • Developing and maintaining the credit policy framework to ensure it is aligned with economic and portfolio trends, regulations, and global/regional policies and guidelines.
  • Collaborating with product managers to develop product programs for AMH lending products and managing each product program to achieve AMH's profitability goals within the risk appetite.
  • Supporting the delivery of AMH key projects, including Transformation, HKMA regulatory requirements, and business development.
  • Administering the dissemination of credit policies, recommending and implementing new policies or policy changes, and coordinating with IT and operations to implement policy if necessary.
  • Ensuring regional compliance with all internal and regulatory controls in the dynamic local regulatory environment.
  • Developing and managing MIS to reflect delinquency, loss, vintage, profitability, new acquisition trend, score performance, and possibility to increase profit from new and existing customers.
  • Analyzing and identifying potential areas of improvement in credit loss, product offers, credit procedures, etc.
  • Escalating emerging risk issues timely and ensuring appropriate mitigating actions are devised and implemented swiftly engaging all key stakeholders.

Requirements:

  • Degree holder with 3+ years of relevant professional experience in retail credit management, accounting, Retail Banking & Wealth Management, etc.
  • Well-developed analytical skills, with proficiency in data analysis using statistical or database packages (including SAS, SQL, and Excel).
  • Highly motivated mindset, with the ability to work collaboratively with various parties to deliver assignments on time.
  • Excellent written and spoken communication skills.
  • Proficiency in both English and Chinese.

Candidates with less relevant experience or skills may be offered a lower Global Career Band than stated above.

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



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