Unsecured Lending Policy Manager

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

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