Senior Vice President, Risk Policy

**Some careers shine brighter than others**

If you’re looking for a career that will help you stand out, join HSBC and fulfil your potential. 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.

Regulatory Compliance ensures adherence to applicable regulations and standards by setting the policies which cover HSBC’s regulatory requirements, and mitigate conduct and reputational risk issues. The team strives to remain ahead of the regulatory change agenda and ensures the business understands the implications and is prepared for change. It monitors how the Global Businesses and Functions manage their responsibilities with regard to complying with the regulations and helps resolve compliance deficiencies.

We are currently seeking a high calibre professional to join our team as a **Senior Vice President, Risk Policy.**

**Principal Responsibilities**
- Close collaboration with Product, CCS, Ops and other regional/country stakeholders to deliver risk-reward balanced and sustainable growth strategies
- Lead the Unsecured Risk/Policy Team in acquisition and portfolio decision strategies with emphasis on customer experience, market competitiveness and sustained profitability. Explore use of new data or third party tools/data to enhance decision precision
- Ensure all unsecured lending policies adhere to applicable Regulatory, Group/Regional/Country policies
- Monitor closely to ensure that relevant risk models and tools are operating effectively and as expected
- Collaborate with regional/GAC colleagues and support all relevant regional initiatives including data-related and process streamlining
- Act as 2nd line of defence risk steward for credit risk in advising unsecured lending risk appetite, enforcing guiding principles on credit policy framework and control standards, as well as review/inputs to WPB RCA process (where relevant)
- Provide 2nd line oversight on material risks related to Credit Related Operational Loss taxonomy
- leverage data, analytics, models, bureau and systems to drive automated and timely actions for acquisition/portfolio risk management
- Work closely with other members of the country WPB Risk team, and provide the necessary support for the relevant governance/regulatory deliverables, as well as Quality Assurance responsibilities
- Key support for all audits/reviews/management forums in relation to Unsecured lending
- Mentor and lead a team of risk analysts managing workloads and ongoing development. Effectively manage poor performers and develop/groom top/strong performers
- Key member of the Country WPB Risk management team, provide necessary leadership and support to peers and juniors in the team

**Requirements**:
**Requirements**:

- University graduate with rich banking experience in retail credit risk management, preferably in Unsecured portfolios
- Well-developed analytical skills, with proficiency in data analysis using statistical or database packages (e.g. SAS, Python, SQL and Excel)
- Strong understanding of consumer credit cycle, use of scorecards or analytics, local regulatory environment, product knowledge and profit dynamics
- Proven track record in leadership roles, and in working with stakeholders across diverse geographies and seniority levels
- Effective communication, presentation and negotiation skills. Strong in organization and time management skills
- Highly motivated and self-driven mind-set, with the ability to work independently yet collaboratively with various Customer Groups and external parties (including regulators) to deliver assignments on time

To be considered for this role, the relevant rights to work in Singapore is required.

**You’ll achieve more when you join HSBC.**

Issued by The Hongkong and Shanghai Banking Corporation Limited.