Portfolio Credit Risk Manager

This is an opportunity to join our high-performing team supporting Retail Banking Wealth (RBW) initiatives across HSBC, M&S Bank and First Direct. This is your opportunity to contribute to strategic direction, lead high-impact portfolio initiatives and shape the future of unsecured lending across the credit lifecycle. A high-impact role offering variety and challenge, with the opportunity to influence strategic direction across credit lifecycle decisions, including acquisitions and account management. As an HSBC employee in the UK, you will have access to tailored professional development opportunities and a competitive pay and benefits package. This includes private healthcare for all UK-based employees, enhanced maternity and adoption pay and support when you return to work, and a contributory pension scheme with a generous employer contribution. In this role you will:

• Manage a team of analysts and their deliverables on a day-to-day basis, ensuring high quality deliveries and team members receives the support and coaching they need
• Develop, enhance and maintain credit risk strategy for unsecured retail portfolios, ensuring strategies are robust, customer focused and aligned to risk appetite and business objectives
• Lead end-to-end portfolio initiatives from concept through governance to implementation and benefits tracking
• Provide senior oversight of portfolio performance, identifying emerging risks/opportunities and driving timely interventions to deliver sustainable, responsible growth
• Influence and challenge effectively using clear, evidence-based insights to drive better portfolio outcomes in alignment with overall business goals
• Strengthen governance and controls ensuring risks and issues are identified, tracked and resolved transparently, with high quality documentation, Being open to different points of view is important for our business and the communities we serve. At HSBC, we're dedicated to creating diverse and inclusive workplaces - no matter their gender, ethnicity, disability, religion, sexual orientation, or age. We are committed to removing barriers and ensuring careers at HSBC are inclusive and accessible for everyone to be at their best. We take pride in being a Disability Confident Leader and will offer an interview to people with disabilities, long term conditions or neurodivergent candidates who meet the minimum criteria for the role.
If you have a need that requires accommodations or changes during the recruitment process, please get in touch with our Recruitment Helpdesk


• Essential experience in Retail Credit Risk, with expertise in credit strategy and/or portfolio management
• Previous of experience of coaching and leading a team
• Proven ability to lead complex, cross functional programmes and deliver measurable outcomes
• Strong analytical capability and technical fluency with the judgement to translate analysis into clear strategic decisions
• Excellent stakeholder management skills, with a track record of influencing senior leaders and navigating governance effectively
  
  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.