Lead, Unsecured Lending Policy & Risk

HSBC; Jakarta Barat; On-site; IDR 60,000,000 - 100,000,000; Full time

Job summary

HSBC is seeking an experienced Manager, Unsecured Policy Analyst to strengthen credit acquisition policy design for unsecured lending and oversee portfolio performance. This role partners with Business, Risk, Credit Policy, and Operations to drive compliant growth and robust controls.

The position requires a Finance/economics/risk background, 2–5 years in consumer lending credit risk, and strong data skills for policy governance and portfolio insights.

Qualifications

• 2–5 years' experience in consumer lending credit risk, ideally in unsecured lending.
• Strong understanding of end-to-end credit processes and portfolio monitoring.
• Knowledge of local regulatory requirements and internal policy governance.
• Excellent stakeholder management and communication skills.

Responsibilities

• Develop, review, and enhance credit acquisition policies for unsecured lending.
• Design and implement credit tests and acquisition strategies with partners.
• Ensure policies comply with local regulations and HSBC standards.
• Embed policies into Credit Operations through procedures and training.
• Monitor portfolio insights and recommend actions for improvement.
• Support policy governance, reviews, approvals, and audits.

Education

Bachelor's degree in Finance, Economics, Business, Mathematics/Statistics, Data Science, Risk Management, or related discipline

Tools

Excel

SQL

SAS/R/Python

BI tools

Job description

HSBC is seeking an experienced Manager, Unsecured Policy Analyst to strengthen credit acquisition policy design for unsecured lending and oversee portfolio performance. This role partners with Business, Risk, Credit Policy, and Operations to drive compliant growth and robust controls.

The position requires a Finance/economics/risk background, 2–5 years in consumer lending credit risk, and strong data skills for policy governance and portfolio insights.