Vice President, Credit Risk Management - Risk & Compliance

HSBC; Singapore; On-site; SGD 200,000 - 320,000; Full time

Job summary

HSBC seeks a high-calibre professional in Singapore for the Vice President, Credit Risk Management role, focusing on the Credit Card portfolio and unsecured lending. You will leverage data, analytics, and models to drive risk-aware growth while ensuring regulatory compliance and governance across stakeholders.

You will collaborate with Product, Underwriting, Collections, and regional teams to deliver sustainable profitability and strong controls, supported by second-line oversight within the

Qualifications

• Strong banking experience in retail credit risk management with a specific focus on the Credit Card portfolio.
• Strong understanding of the consumer credit cycle, scorecards and analytics, the local regulatory environment, banking systems, product fundamentals, and profitability drivers.

Responsibilities

• Ensure all Credit Card and Unsecured Lending policies comply with applicable regulations, Group FIM, and regional guidelines.
• Provide effective and timely support to the Senior Manager in relation to Unsecured Lending reviews, audits, and management forums.
• Actively review, refine, and implement Credit Card portfolio management strategies, balancing customer experience, market competitiveness, and sustainable profitability.
• Leverage data, analytics, models, bureau insights, and systems to enable automated, timely actions for Credit Card portfolio risk management.
• Maintain ongoing oversight of relevant risk models and tools to ensure effective performance and expected outcomes.
• Provide robust second line oversight of controls for Retail Credit Risk Processing, ensuring appropriate review, challenge, and governance in accordance with the HSBC Risk Management Framework.
• Collaborate with Product, Underwriting, Collections, Operations, and regional/country stakeholders to deliver risk-reward balanced and sustainable growth strategies.
• Work with colleagues across the Country IWPB Risk and Compliance team to support delivery of governance and regulatory requirements and to fulfil Quality Assurance responsibilities.

Skills

Credit risk management

Credit card portfolio

Data analysis

SAS

Python

Google BigQuery

Looker

Stakeholder management

Regulatory understanding

Tools

SAS

Python

Google BigQuery

Looker

Job description

Some Careers Have More Impact Than Others. If you’re looking for a career where you can make a real impression, join HSBC and discover how valued you’ll be. Whether you want a career that could take you to the top, or simply take you in an exciting new direction, HSBC offers opportunities, support and rewards that will take you further.

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 are currently seeking a high calibre professional to join our team as a Vice President, Credit Risk Management.

In This Role You Will

• Ensure all Credit Card and Unsecured Lending policies comply with applicable regulations, Group FIM, and regional guidelines.
• Provide effective and timely support to the Senior Manager in relation to Unsecured Lending reviews, audits, and management forums.
• Actively review, refine, and implement Credit Card portfolio management strategies, balancing customer experience, market competitiveness, and sustainable profitability.
• Leverage data, analytics, models, bureau insights, and systems to enable automated, timely actions for Credit Card portfolio risk management. Evaluate and adopt new data sources and third-party tools to enhance decision accuracy and precision.
• Maintain ongoing oversight of relevant risk models and tools to ensure effective performance and expected outcomes.
• Provide robust second line oversight of controls for Retail Credit Risk Processing, ensuring appropriate review, challenge, and governance in accordance with the HSBC Risk Management Framework.
• Collaborate with Product, Underwriting, Collections, Operations, and regional/country stakeholders to deliver risk-reward balanced and sustainable growth strategies.
• Work with colleagues across the Country IWPB Risk and Compliance team to support delivery of governance and regulatory requirements and to fulfil Quality Assurance responsibilities.

To Be Successful You Will Need

• Strong banking experience in retail credit risk management with a specific focus on the Credit Card portfolio.
• Strong understanding of the consumer credit cycle, scorecards and analytics, the local regulatory environment, banking systems, product fundamentals, and profitability drivers
• Well-developed analytical skills, with proficiency in data analysis using statistical and database tools (e.g., SAS, Python, Google BigQuery, Looker).
• Proven track record of working with stakeholders across diverse geographies and seniority levels.
• Highly motivated, critical thinker with a self-driven mind-set, able to work independently while collaborating effectively with Customer Groups and external parties (including regulators) to deliver assigned task on time.

You’ll achieve more at HSBC.

HSBC is 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. Personal data held by the Bank relating to employment applications will be used in accordance with our Privacy Statement, which is available on our website.

Candidates with less relevant experience or skills may be offered a lower Global Career Band than stated above.

Issued by Hongkong & Shanghai Banking Co

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