Credit Risk Analyst

HSBC; Leeds; Hybrid; GBP 35,000 - 50,000; Full time

Job summary

A leading global bank in Leeds seeks a Credit Risk Analyst to develop and maintain credit risk decisioning models for Small and Medium Enterprise customers. The role involves utilizing data management skills, programming in Python, and creative problem-solving to improve credit insights and model performance. Candidates should have strong data management skills and a good understanding of statistics. Hybrid working is available, with a requirement to be within commutable distance from the office.

Benefits

Private healthcare

Enhanced maternity/adoption pay

Generous pension scheme

Qualifications

• Strong understanding of statistics and numerical analysis tools.
• Ability to handle multiple tasks to meet project deadlines.
• Experience in preparing presentations and documentation.

Responsibilities

• Support the development of credit risk decisioning models.
• Explore new data sources to enhance credit models.
• Develop strategies to mitigate market risks.

Skills

Data management skills

Programming in Python

Analytical techniques

Creative problem-solving skills

Tools

SAS

SQL

Job description

If you’re looking for a career where you will be respected as an individual and valued for the contributions you make, join HSBC, and discover how diversity drives our success. Whether you want a career that could take you to the top, or simply take you in an exciting new direction, HSBC offers opportunities, support and rewards that will take you further.

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, contingency, geopolitical, operational, credit, pension, insurance, financial crime and regulatory compliance, market and reputation 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.

Global Risk Analytics are seeking an individual to join this team in the role of Credit Risk Analyst, to support the development and maintenance of commercial credit risk decisioning models (such as acquisition and behaviour scorecards) and other related credit strategies throughout the customer life-cycle.

In this role you will:

• Support the development and maintenance of commercial credit risk decisioning models with a focus on Small and Medium Enterprise (SME) customers in the UK, and support internal model review, independent review, and if required, external review processes
• Explore new data sources to improve credit models and credit insights
• Apply innovative thinking and analytical techniques to improve model performance and development processes
• Identify areas which require data remediation and proactively engage with internal stakeholders to address them
• Develop new credit risk strategies to mitigate against emerging market risks and existing portfolio performance, and deploy credit risk models and strategies on new and existing risk systems

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

• Strong data management skills with a good understanding of statistics and familiarity with sophisticated tools for numerical analysis
• Programming skills in Python is essential, with SAS and SQL knowledge being advantageous
• Ability to progress multiple tasks at the same time to support successful delivery of projects within an agreed time scale
• Creative problem solving skills, with a track record of challenging the status quo to deliver improved ways of working
• Ability to prepare clear and effective presentations, documentation and analysis

*Please note: This role is based in Leeds. The successful applicant will be required to spend part of their working week at this location or out visiting clients. Hybrid working is available, but the role holder will need to live within a commutable distance of the aforementioned office.

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
• A contributory pension scheme with a generous employer contribution.

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.

Ifyouhaveaneedthatrequiresaccommodationsor changes duringtherecruitmentprocess, please get in touch with our Recruitment Helpdesk:

Email: [e-mail]

Telephone: [phone]