Head of Retail Credit Risk: Strategy & Analytics

HSBC Group; Taguig; On-site; PHP 2,000,000 - 4,200,000; Full time

Job summary

HSBC Group in the Philippines is seeking an experienced professional to join our team as VP Retail Credit Risk Appetite, Reporting and Strategy. The role designs analytics and MI for the retail lending portfolio to optimize profitability and asset quality across the credit cycle.

You will collaborate with senior stakeholders across Risk, Business and Finance to shape strategic planning, monitor external conditions and contribute to stress testing that aligns with HSBC's risk appetite and

Qualifications

• Strong analytical skills, lateral thinking and the ability to translate complex data into practical recommendations.
• Confident communicator, able to influence and present effectively to senior stakeholders and regional counterparts.
• Relevant experience in credit/risk, portfolio analytics, reporting or banking/financial services.
• Preferably with experience in Cards/Loans operations and data systems.

Responsibilities

• Deliver accurate, relevant and timely risk MI across Retail lending products to monitor asset quality and optimise profitability throughout the credit cycle.
• Develop and apply decisioning analytics to strengthen risk strategies, factoring in current and forward-looking economic, industry and regulatory trends.
• Steer the development and maintenance of key risk strategy documentation, tracking performance against risk appetite and supporting governance.
• Act as the local lead for the Retail Risk stress testing models, partnering with Regional Risk on appropriate parameters, triggers and caps.
• Proactively monitor external developments (economic, regulatory, competitive) and provide clear updates to Senior Risk Management.
• Design and maintain risk databases and support processing/system enhancements to improve data quality and insight.
• Present analysis and recommendations to stakeholders and senior management (including CRCO, Head of IWPB and CEO) and regional counterparts.
• Lead and develop the Risk Reporting team while driving automation, strong controls and effective operational risk management.

Skills

Analytical thinking

Stakeholder management

Credit risk experience

Cards/Loans data systems

Job description

HSBC Group in the Philippines is seeking an experienced professional to join our team as VP Retail Credit Risk Appetite, Reporting and Strategy. The role designs analytics and MI for the retail lending portfolio to optimize profitability and asset quality across the credit cycle.

You will collaborate with senior stakeholders across Risk, Business and Finance to shape strategic planning, monitor external conditions and contribute to stress testing that aligns with HSBC's risk appetite and