Head of Retail Credit Risk Strategy & Analytics

The Hongkong and Shanghai Banking Corporation Limited (HSBC); Taguig; On-site; PHP 3,000,000 - 5,000,000; Full time

Job summary

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

You will collaborate with Risk, Business and Finance leaders to shape strategic planning, monitor external conditions, contribute to stress testing, and drive automation and robust governance of risk

Qualifications

• Strong analytical skills and ability to translate 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.

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 skills

Stakeholder communication

Credit risk analytics

Banking experience

Job description

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

You will collaborate with Risk, Business and Finance leaders to shape strategic planning, monitor external conditions, contribute to stress testing, and drive automation and robust governance of risk