Unsecured Lending Risk - Analyst

Hsbc Global Services Limited; Xico; On-site; MXN 300,000 - 420,000; Full time

Job summary

HSBC Global Services Limited in Mexico is seeking a Credit Risk Analyst to support monitoring of unsecured lending portfolios and prepare insightful governance materials. The role involves data analysis, portfolio reporting and collaboration with Risk, Business, Product, Operations and regional teams to ensure timely decisions.

You will build knowledge of consumer credit and HSBC’s risk framework in day-to-day work.

Qualifications

• Bachelor’s degree in Finance, Economics, Engineering, Mathematics, Statistics, Actuarial Science, Business Administration or related discipline.
• Experience or relevant academic projects in financial services, risk or data analysis is an advantage.
• Basic understanding of financial services, consumer credit and credit risk management.

Responsibilities

• Support regular monitoring of unsecured lending portfolios.
• Analyse applications, approvals, exposure, utilisation, delinquency and recoveries.
• Review roll rates, charge-offs, expected credit loss and other indicators.
• Prepare dashboards, portfolio reports and management commentary.
• Conduct basic product, segment, vintage and channel analysis.
• Check data completeness, consistency and reasonableness.
• Highlight unusual movements and emerging portfolio risks.
• Maintain reporting files and supporting documentation.

Skills

Spanish fluency

Excel

SQL

Python

SAS

Power BI

Data analysis

Stakeholder communication

Attention to detail

Education

Finance

Economics

Statistics

Tools

Excel

SQL

Python

SAS

Power BI

Job description

Role purpose

• Support credit risk monitoring across HSBC Mexico’s unsecured lending portfolios to deliver safe, sustainable growth for customers and the bank.


• Cover Personal Loans, Retail Business Banking Loans, Auto Loans and other applicable products.


• Prepare portfolio reports, data analysis, management information and governance materials that enable clear, timely decisions.


• Identify performance trends, data-quality issues and emerging portfolio risks, raising concerns early.


• Escalate material issues and support follow-up actions within agreed timelines.


• Work closely with Risk, Business, Product, Operations, Finance, Data and regional teams to ensure alignment and effective collaboration.


• Build knowledge of consumer credit and HSBC’s risk management framework and apply it in day-to-day work.

Main activities

Portfolio Risk Monitoring and Analysis

• Support regular monitoring of unsecured lending portfolios.


• Analyse applications, approvals, exposure, utilisation, delinquency and recoveries.


• Review roll rates, charge-offs, expected credit loss and other agreed indicators.


• Prepare dashboards, portfolio reports and management commentary.


• Conduct basic product, segment, vintage and channel analysis.


• Check data completeness, consistency and reasonableness.


• Highlight unusual movements and emerging portfolio risks.


• Maintain reporting files and supporting documentation.
  Credit Risk Strategy, Policy and Controls


• Support monitoring of credit policies and lending controls.


• Review eligibility criteria, credit limits and affordability rules.


• Track credit strategies, scorecards, bureau data and decision rules.


• Compare performance against agreed indicators.

Stakeholder support and process improvement

• Work with Risk, Business, Product, Underwriting, Collections, Operations, Finance, Data, Compliance and regional teams.


• Obtain information and deliver assigned tasks within agreed timelines.


• Prepare clear documents for reviews, meetings and control activities.


• Support improvements to reporting, reconciliations, data quality and analytical processes.


• Use tools such as Excel, SQL, Python, SAS or equivalent platforms.


• Apply HSBC data, confidentiality and governance requirements.


• Seek feedback and assume greater responsibility as capability develops.

Requirements

• Bachelor’s degree in Finance, Economics, Engineering, Mathematics, Statistics, Actuarial Science, Business Administration or a related discipline.


• Experience or relevant academic projects in financial services, risk or data analysis are an advantage.


• Basic understanding of financial services, consumer credit and credit risk management, with interest in how decisions impact customers and the bank.


• Curiosity about the full consumer credit lifecycle (acquisition, underwriting, account management, collections and recoveries) and how each stage affects portfolio performance.


• Foundational knowledge of portfolio performance metrics and key credit risk concepts.


• Spanish fluency is required; intermediate English is preferred for effective collaboration with regional teams and for using common HSBC documentation.


• Up to two years of relevant experience, including internships, becario roles, graduate programmes or entry-level employment.


• Interest in retail banking, consumer credit, unsecured lending, risk management or data analytics.


• Basic or intermediate Microsoft Excel skills (formulas, reconciliations, reporting); familiarity with SQL, Python, SAS, Power BI is desirable but not essential.


• Ability to spot data inconsistencies, interpret trends and communicate findings clearly to different stakeholders.


• Strong attention to detail, numerical accuracy, organisation and openness to receiving and acting on feedback.


• Collaborative working style, proactive learning mindset and responsible use of AI tools in line with HSBC policies

HSBC is an equal opportunity employer committed to building a culture where all employees are valued, respected and opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working and, opportunities to grow within an inclusive and diverse environment. We encourage applications from all suitably qualified persons irrespective of, but not limited to, their gender or genetic information, sexual orientation, ethnicity, religion, social status, medical care leave requirements, political affiliation, people with disabilities, color, national origin, veteran status, etc., We consider all applications based on merit and suitability to the role.