Credit Risk Analyst (Mortgages)

Some careers open more doors than others.

If you’re looking for a career that will unlock new opportunities, join HSBC and experience the possibilities. 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.

We have an exciting opportunity for a Credit Risk Analyst to join a market leading team to work across the largest mortgage portfolio in HSBC. In your role you play an integral part in analysing mortgage data and mortgage applications, reporting on trends to ensure HSBC lend responsibly to new and existing customers.

This is an exciting opportunity for an individual with an analytical mindset/background that has desire to make a break into the space of Mortgage lending. You will work within a Risk team with a supportive culture, the team supports the biggest portfolio across the HSBC group and is central to decision making of all Mortgages products.

Our Risk and Compliance function has a critical role to play in supporting, challenging and advising across all areas of the business through establishing policy, monitoring profiles, and identifying and managing forward-looking risk and compliance. We focus on creating an environment that encourages our people to speak up and do the right thing, as well as protecting our customers, the organisation and the integrity of the financial markets in which we operate. Already an industry-leader in many respects, we want to continue setting standards and evolving to respond to strategic changes.

As an HSBC employee in the UK, you will have access to tailored professional development opportunities and a competitive pay and benefits package. This includes private healthcare for all UK-based employees, enhanced maternity and adoption pay and support when you return to work, and a contributory pension scheme with a generous employer contribution.

We are currently seeking an experienced individual to join this team in the role of Credit Risk Analyst (Mortgages)

In this role, you will:

• Develop and improve Credit Risk strategies to manage decisions throughout the credit lifecycle.
• Provide analyses to manage credit portfolios against agreed performance indicators.
• Support the delivery and implementation of WPB initiatives by providing input on both the Credit requirements and the impacts of proposed changes.
• Support projects either driven from within Credit or from our external partners ensuring the projects have considered Credit implications and deliver an outcome with sustainable and appropriate level of returns.
• Ensure that the portfolio strategies and processes are compliant with the appropriate regulations and regulator guidance.
• Ensure adherence to Group and Regional policy and FIM requirements, providing timely MI and insight into the performance of different portfolios and delivery of key Global/Regional Risk initiatives;

To be successful in this role you should meet the following requirements:

• A working knowledge in Retail Banking preferably in Risk, Analytics, Customer Value Management or business performance.
• An understanding of mortgage products is desirable
• Excellent attention to detail and a track record of analytical capabilities using relevant software packages such as (SAS/SQL are essential as a baseline, Python will be considered in addition);
• An understanding of consumer lending products, profitability and credit risk;
• Good track record of understanding business requirements and making decisions considering potential long term risks and implications.

The base location for this role is Sheffield with hybrid working on offer

You’ll achieve more when you join HSBC.

Being open to different points of view is important for our business and the communities we serve. At HSBC, we’re dedicated to creating diverse and inclusive workplaces. Our recruitment processes are accessible to everyone - no matter their gender, ethnicity, disability, religion, sexual orientation, or age.

We take pride in being part of the Disability Confident Scheme. This helps make sure you can be interviewed fairly if you have a disability, long term health condition, or are neurodiverse.

If you’d like to apply for one of our roles and need adjustments made, please get in touch with our Recruitment Helpdesk:

Email: hsbc.recruitment@hsbc.com
Telephone: +44 207 832 8500