Manager/AVP – Business Consulting, GSC'S

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 organizations 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 realize their ambitions.

Business: Wealth and Personal Banking

Role Title:Manager/AVP/ Lead AVP – Business Consulting (Risk Analytics)

Global Career Band: 6 or 5

Location(Country / City ): Bangalore / Kolkata

Why join us?

Credit Risk Management Strategy is one of the key functional areas within Retail Risk Management. This function owns the development of Origination and Account Management strategies for the different Regions within HSBC group across all retail products (secure and unsecure).

This role applies to the Business Consulting job family and would encompass supporting Originations & Account Management initiatives e.g. approve/decline, credit line assignment, line management, re-pricing, authorizations, etc. for several portfolios across different products in the HBAP region.

The Opportunity: (Brief Overview of the Role)

• Provide subject matter expertise in at least one of the risk concepts within Card and Consumer Assets viz., Acquisitions, Approve/Decline, Line Management, Pricing etc.
• Support development and implementation of analytical frameworks/ strategies
• Conduct portfolio diagnosis for different unsecured products in the region
• Support deployment of Sherwood in the region
• Create robust documentation around existing strategies and processes
• Identifying gaps and marginal growth segments
• Implement best practices for Originations & Account Management policies and strategies
• Propose modification / redevelopment of strategies as required.
• Propose and build new Retail banking credit policies
• Implement robust portfolio and strategy monitoring and tracking reports. Develop hypotheses about customer behavior and profitable growth scenarios and apply the right mix of qualitative and quantitative research techniques to identify causes and solutions
• Identify opportunities for standardization of analytical processes to bring in effectiveness and gain efficiency
• Drive innovation for self to deliver incremental business value to the Region
• The ideal candidate combines strong business and analytical skills with proven ability to execute projects self-reliantly

Qualifications

Qualifications - External

What you will need to succeed in the role:

• PHD, MBA, Engineering or Masters’s degree in mathematics/ statistics/ economics or equivalent;
• At least 5 years of relevant experience in analytics preferably in the fields like Credit Strategy Development, Loss Forecasting/Reserving, Modeling, Risk Strategy, etc.
• Technical knowledge of SAS/Python/SQL/Qlik or other data/analytics tools
• Excellent communication skills with technical (the team) and non-technical (senior entity management in region) counterparts; being able to "translate" between the two worlds is the major thing in the day to day work.
• Strong analytical skills with an ability to grasp new concepts quickly.
• Good organizational, analytical, problem-solving and verbal and written communication skills.
• Prior experience in managing risk activities in retail lending is essential.
• Prior experience in managing Retail portfolios such as Mortgage, Cards, Loans and Overdrafts or SME clients
• Prior experience with acquisition risk strategy, account management strategy or strategy analysis and portfolio management would be preferred. Exposure to TRIAD and SMG3 would be a plus.

You’ll achieve more at HSBC

HSBC is an equal opportunity employer 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. We encourage applications from all suitably qualified persons irrespective of, but not limited to, their gender or genetic information, sexual orientation, ethnicity, religion, social status, medical care leave requirements, political affiliation, people with disabilities, color, national origin, veteran status, etc., We consider all applications based on merit and suitability to the role.”

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 Electronic Data Processing (India) Private LTD***