Manager Unsecured Policy Analyst

HSBC; Indonesia; On-site; IDR 360,000,000 - 720,000,000; Full time

Job summary

HSBC Indonesia is seeking a Manager, Unsecured Policy Analyst to design and enhance credit acquisition policies for unsecured lending, while managing risk across policy governance and portfolio performance. You will partner with Business, Risk, and Operations to implement tests and rules that align with local regulations and HSBC standards.

The role requires 2–5 years in consumer lending credit risk, strong data-driven decision making, and the ability to translate analysis into actionable

Qualifications

• Bachelor’s degree in Finance, Economics, Business, Mathematics/Statistics, Data Science, Risk Management, or related discipline.
• 2–5 years’ experience in consumer lending credit risk, ideally in unsecured lending (acquisition policy, underwriting strategy, or portfolio risk).
• Strong understanding of end-to-end credit processes, including underwriting, operational implementation, and portfolio monitoring (delinquency/NPL/loss metrics).
• Knowledge of local regulatory requirements and internal credit policy/governance standards.
• Strong stakeholder management and communication skills, with the ability to translate analysis into clear recommendations.

Responsibilities

• Develop, review, and enhance credit acquisition policies for unsecured lending to support receivables growth while managing credit losses.
• Design and implement credit tests and acquisition strategies (e.g., scorecard cut-offs, policy rules).
• Ensure policies and risk strategies comply with local regulations and HSBC standards.
• Embed new and updated policies into Credit Operations through procedures and training.
• Monitor portfolio insights and recommend actions for improvement.
• Support policy governance activities, including reviews, approvals, and audits.

Skills

Stakeholder management

Communication skills

Policy design

Credit risk knowledge

Education

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

Tools

Excel

SQL

SAS

Python

BI tools

Job description

Some Careers Shine Brighter Than Others.

If you’re looking for a role that will help you stand out at HSBC, take a look at how you can fulfil your potential.

Risk and Compliance is a global function that brings together all aspects of regulatory and financial crime risk management. Acting as risk stewards, and incorporating a range of specialist teams, we work together with the business and leverage advanced technology to help HSBC navigate a complex regulatory landscape and embed a sustainable approach to compliance risk management that supports safe growth and ensures fair outcomes for clients. Compliance aspires to continuously raise the bar and set leading standards across the industry to help HSBC safeguard its customers and the communities within which it operates.

We’re looking for an experienced professional to join IWPB Risk Management as a Manager, Unsecured Policy Analyst, supporting sustainable growth across unsecured lending through strong acquisition policy design and portfolio performance management.

Key Responsibilities

• Develop, review, and enhance credit acquisition policies for unsecured lending to support receivables growth while managing credit losses.
• Design and implement credit tests and acquisition strategies (e.g., scorecard cut-offs, policy rules), partnering closely with Business, Risk, Credit Policy, and Operations.
• Ensure policies and risk strategies comply with local regulations and align with HSBC standards and governance requirements.
• Embed new and updated policies into Credit Operations through clear procedures, training, and ongoing engagement to drive consistent execution.
• Monitor and share portfolio insights with stakeholders, including approval rates, delinquency trends, and overall portfolio quality, and recommend actions for improvement.
• Support credit policy governance activities, including policy reviews, approvals, and audits, to maintain strong end-to-end credit controls.

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

Essential

• Bachelor’s degree in Finance, Economics, Business, Mathematics/Statistics, Data Science, Risk Management, or related discipline.
• 2–5 years’ experience in consumer lending credit risk, ideally in unsecured lending (acquisition policy, underwriting strategy, or portfolio risk).
• Strong understanding of end-to-end credit processes, including underwriting, operational implementation, and portfolio monitoring (delinquency/NPL/loss metrics).
• Knowledge of local regulatory requirements and internal credit policy/governance standards.
• Strong stakeholder management and communication skills, with the ability to translate analysis into clear recommendations.

Preferrable

• Hands-on analytical skills using tools such as Excel, SQL, SAS/R/Python, and/or BI tools.
• Experience delivering training or facilitating workshops to embed policy and drive continuous improvement

You’ll achieve more at HSBC

HSBC is committed to building a culture where all employees are valued, respected and every opinion counts. We take pride in providing a workplace that fosters professional development, flexible working, and opportunities to grow within an inclusive and diverse environment. We want everyone to achieve their potential with equality regardless of gender, ethnicity, disability, religion, age, or any other trait protected by applicable law. If you need any support or have any access requirements, we encourage you to inform us through email at [e-mail] at the time of your application, so that we can support you through your recruitment journey.