Vice President, Credit Risk Management - Risk & Compliance

HSBC Holdings plc; Singapore; Hybrid; SGD 180,000 - 300,000; Full time

Job summary

HSBC Holdings plc in Singapore is seeking a high-calibre professional for the role of Vice President, Credit Risk Management. You will oversee credit card and unsecured lending risk, aligning with regulatory requirements and HSBC risk framework, while driving portfolio strategy and performance.

This role emphasizes data-driven decision making, stakeholder collaboration across functions, and governance responsibilities within the Country IWPB Risk and Compliance team.

Qualifications

• Experience in retail credit risk management is essential.

Responsibilities

• Ensure all Credit Card and Unsecured Lending policies comply with regulations and guidelines.
• Provide support to the Senior Manager for Unsecured Lending reviews, audits and forums.
• Refine and implement credit card portfolio risk management strategies balancing customer experience, market competitiveness, and profitability.
• Leverage data, analytics, models, bureau insights, and systems to enable automated risk actions.
• Maintain oversight of risk models and tools to ensure performance and outcomes.
• Provide second line oversight of controls for Retail Credit Risk Processing per HSBC Risk Management Framework.
• Collaborate with Product, Underwriting, Collections, Operations and regional stakeholders to deliver balanced growth strategies.
• Support governance and regulatory requirements and QA responsibilities across Country IWPB Risk and Compliance.

Job description

Location: Singapore, 01, SG, 117439

Brand: HSBC

Area of Interest: Risk and Compliance

Role Workstyle: Hybrid Worker

Date: 1 Oct 2026

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