Lead Credit Risk Analyst (BTL)

HSBC Holdings plc; Birmingham; On-site; GBP 80,000 - 110,000; Full time

Job summary

HSBC Holdings plc is seeking an experienced Lead Credit Risk Analyst to join our team in designated UK offices including Birmingham. The role focuses on Secured Buy to Let lending analytics, policy development and maintaining robust control environments.

You will scope analytics, deliver insights for portfolio strategies, and mentor junior colleagues while collaborating with offshore analytics teams to drive strong customer outcomes.

Qualifications

• Proven credit and analytical experience in Buy to Let lending in a analytics, portfolio or strategy role within a financial services or data-driven organisation.
• Knowledge and experience of the Buy to Let market and range of landlord lending needs.
• Excellent knowledge of the credit life cycle.
• Track record of delivering complex projects within a team, delivering results on time and on budget and managing own time effectively.

Responsibilities

• Lead, develop and monitor Secured Buy to Let lending strategies and policies utilising data and analytical techniques, ensuring compliance with regulation and internal policy and driving good customer outcomes
• Scope and carry out regular and ad-hoc analytics and reporting on Secured Buy to Let lending and portfolio to extract meaningful insight, conclusions and actions
• Deploy and ensure a robust control environment
• Prioritise planned projects and tasks, whilst effectively managing and challenging requests for unplanned or ad-hoc work
• Be accountable for the integrity and accuracy of delivered results
• Positively contribute to the vision and strategy of the department, working with the management group and being a role model for junior colleagues
• Support, coach and upskill more junior colleagues in the team
• Influence, develop and maintain a productive relationship with wider teams and stakeholders including our the offshore analytics team

Skills

Credit analytics

Buy to Let lending

Regulatory awareness

Data analysis

Job description

If you're looking for a career that will help you stand out, join HSBC, and fulfil your potential - whether you want a career that could take you to the top, or an exciting new direction, we offer opportunities, support and rewards that will take you further.

We're one of the largest banking and financial services organisations in the world, with a network that covers more than 50 countries and territories. We aim to be where the growth is, enabling businesses to thrive and economies to prosper, and, ultimately, helping people fulfil their hopes and realise their ambitions.

We're currently seeking an experienced professional to join our team in the role of Lead Credit Risk Analyst in one of our Leeds, Sheffield or Birmingham Offices.

Our Wealth and Personal Banking business supports millions of individuals, families, business owners, investors and entrepreneurs worldwide. We provide products and services that include current accounts, credit cards, personal loans and mortgages, as well as savings, investments, insurance and wealth management. We also have specialised relationship managers who support customers with bespoke requirements, including high net worth and ultra-high-net-worth clients.

Mortgages play a vital part of HSBC's UK Retail Bank providing a range of products to support customers from first time buyers to home movers to Buy to Let investors providing quality accommodation for renters. This role presents an exciting opportunity to make a real difference to HSBC and its customers by reviewing policies with a fresh pair of eyes and assessing opportunity to enhance and evolve to support HSBC serve a greater range of customer needs in a safe and sustainable way.

As an HSBC employee in the UK, you'll 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'll:

• Lead, develop and monitor Secured Buy to Let lending strategies and policies utilising data and analytical techniques, ensuring compliance with regulation and internal policy and driving good customer outcomes
• Scope and carry out regular and ad-hoc analytics and reporting on Secured Buy to Let lending and portfolio to extract meaningful insight, conclusions and actions
• Deploy and ensure a robust control environment
• Prioritise planned projects and tasks, whilst effectively managing and challenging requests for unplanned or ad-hoc work
• Be accountable for the integrity and accuracy of delivered results
• Positively contribute to the vision and strategy of the department, working with the management group and being a role model for junior colleagues
• Support, coach and upskill more junior colleagues in the team
• Influence, develop and maintain a productive relationship with wider teams and stakeholders including our the offshore analytics team

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

• Proven credit and analytical experience in Buy to Let lending in a analytics, portfolio or strategy role within a financial services or data-driven organisation
• Knowledge and experience of the Buy to Let market and range of landlord lending needs
• Excellent knowledge of the credit life cycle
• Track record of delivering complex projects within a team, delivering results on time and on budget and managing own time effectively

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.