Credit Risk Portfolio Manager

HSBC; Birmingham; Hybrid; GBP 60,000 - 80,000; Full time

Job summary

A major financial institution in the UK is seeking a Credit Risk Portfolio Manager to oversee complex analytical projects and manage a team. This role requires excellent analytical skills, experience in credit data, and the ability to engage with stakeholders effectively. The position offers hybrid working based in Birmingham, Sheffield, Chester, or Leeds, alongside a competitive pay and benefits package.

Benefits

Private healthcare

Contributory pension scheme

Enhanced maternity and adoption pay

Qualifications

• Strong understanding of credit life cycle, collections, and recoveries.
• Proven track record in credit or collections risk data.
• Excellent written and spoken communication skills.

Responsibilities

• Drive delivery of complex analytical projects with task distribution.
• Make decisions and recommendations for project output.
• Manage a portfolio and oversee governance.

Skills

Prioritisation

Analytical skills

Communication skills

Pragmatic thinking

Stakeholder engagement

Tools

SQL

Python

Job description

Credit Risk Portfolio Manager – Risk & Compliance

Some careers open more doors than others.

If you’re looking for a career that will unlock new opportunities, join HSBC and experience the possibilities. 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.

Our Risk and Compliance function has a critical role to play in supporting, challenging and advising across all areas of the business through establishing policy, monitoring profiles, and identifying and managing forward-looking risk and compliance. We focus on creating an environment that encourages our people to speak up and do the right thing, as well as protecting our customers, the organisation and the integrity of the financial markets in which we operate. Already an industry‑leader in many respects, we want to continue setting standards and evolving to respond to strategic changes.

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.

This role requires a strong Manager who can drive delivery through others. You will be the people lead, coordinating and delivering project work through others, ensuring next steps are advancing, while overseeing BAU activity and leading team members.

Responsibilities

• Take accountability for the delivery of complex analytical projects, distributing tasks based on skillset and bandwidth.
• Make decisions and recommendations, based on the output of analytics, and drive the delivery of the projects forward.
• Support creation of team and project plans to track delivery against agreed timelines, negotiate blockers and delays with relevant stakeholders and demonstrate accountability.
• Drive strategic change, utilising new approaches and data to optimise the outcome we deliver.
• Engage with stakeholders as required to get buy‑in for proposals.
• Take responsibility for managing a portfolio, including management oversight and governance.
• Deputise for Senior Manager on occasion.

Core Skills

• Can prioritise and switch priorities quickly to meet business needs.
• Ability to apply pragmatic thinking, using expertise and judgement to drive delivery.
• Excellent written and spoken communication skills; an ability to communicate with impact, ensuring complex information is articulated in a meaningful way to wide and varied audiences.

Experience & Knowledge

• Has an excellent knowledge of the credit life cycle, collections and recoveries practice and understands the market positioning of HSBC products.
• Proven track record in credit or collections risk data.
• Strong analytical and quantitative skills with a strong understanding of Credit Risk Policy and procedures.
• Strong SQL or Python skills.
• Ability to work autonomously while contributing to a team‑oriented environment.

This role can be based in Birmingham, Sheffield, Chester or Leeds – Hybrid Working.

You’ll achieve more when you join HSBC.

Opening up a world of opportunity

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. Our recruitment processes are accessible to everyone - no matter their gender, ethnicity, disability, religion, sexual orientation, or age.

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’d like to apply for one of our roles and need adjustments made, please get in touch with our Recruitment Helpdesk:

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