Head of Fraud, Credit and Controls Services HSBC China

5 months ago

Guangzhou, China HSBC Full time

Wealth and Personal Banking (WPB)

Wealth and Personal Banking is our new global business combining Retail Banking and Wealth Management; and Global Private Banking, to become a global wealth manager with trillion in assets. Our dedicated colleagues serve millions of customers worldwide across the entire spectrum of private wealth, ranging from personal banking for individuals and families, through to business owners, investors and ultra-high-net-worth individuals. We provide products and services such as bank accounts, credit cards, personal loans and mortgages, as well as asset management, insurance, wealth management and private banking, that best suit our customers’ needs.

We are currently seeking an experienced professional to join our team.

In this role, you will:

1.Ensuring sustainable lending to WPB customers through effective credit underwriting for all asset origination, with efficient customer underwriting for all WPB credit types including Credit Cards, Personal Loans, Mortgages, etc. by leading Credit Underwriting and ensuring end to end customer journey optimization

2.Supporting customers in financial difficulties and managing the credit loss line of the business effectively, to ensure effective default management for customers

3.Proactive Credit Bureau (and alternate data providers) third party management, control of both incoming and outgoing data quality, and cost control, including overall demand management and support of the international proposition

4.Responsible for Wealth Management and Personal Banking by protecting customers from fraud and managing the gross and net fraud loss trade off with customer friction in payments and lending

5.Implementing Credit and Fraud strategies in relevant decision systems management in support of the credit and external fraud customer agenda

6.Non-financial risk relating to Wealth and Personal Banking including financial crime risk, conduct risk, sales suitability and operational risk

7.Efficient and resilient operations of the decision infrastructure and ongoing engagement with Risk and Products on strategy changes that improve customer outcomes

8.Ensure the teams are appropriately resourced by experienced professionals and highly engaged and output is meeting the highest standards.

Requirements

To be successful in the role, you should meet the following requirements:

1.Deep technical experience in managing retail lending across the entire credit cycle, as well as external fraud

2.Previous experience in Risk Management

3.Comprehensive knowledge of the external environment (risk, regulatory, political, competitors etc.).

4.Outstanding relationship management, collaboration and influencing skills with experience of positive, challenging interactions with senior executives across multiple functions.

5.Risk & Control subject matter expertise.

6.Ability to distil complex and varied information into useful, insightful and concise recommendations.

7.Ability to identify, assess and communicate the need for risk management intervention in complex, fast paced environments.Clear understanding of the evolving market trends that impact the credit and fraud environments for the customers and the Bank

8.Degree graduate in business or related discipline with proven and progressive analytical, planning and project management experience in a business or project management function or equivalent

9.Proven track record in driving robust business performance, leading and managing change, particularly in sizeable and dynamic organization environment

10.Ability to seek out and improve on best practice and capability

11.Strong business acumen, organizational, strategic planning skills

12.Strong leadership, influencing and communication skills with the ability to navigate across senior stakeholders and business partners

13.Fluent in both English and Chinese

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