Manager Credit Policy and Risk
Make the Right Move and join a winning team! Build your career with us. HSBC - North America is a part of HSBC Group, one of the largest banking and financial service organizations in the world. Our domestic strength and extensive global network provides our employees with the best of both worlds - the friendliness of a local organization and the resources of a worldwide network - for diverse experiences and challenging career opportunities.
Manages a small function and/or provides support for the largest and most complex credit policy, risk and/or marketing projects for a functional area or product to include development, implementation, and monitoring of systems to manage the risk of consumer receivable portfolios. Implements and monitors portfolio performance, scoring models and enhancements of credit support systems. Develop and implement new credit origination, monitoring and tracking systems designed to determine the effectiveness of alternate strategies for account origination, credit limit management, customer relationship management, account profitability, attrition and collections. Work with senior management in the development of systems and strategies to be employed in credit risk management. Consult with senior management on credit risk model development, account monitoring techniques and strategies relating to the credit monitoring process, quantitative financial analysis and/or potential application of risk management technology. Confer with in-house systems specialists and financial analysts to improve computer systems as they relate to credit processes. Participate in the development of strategic and operating plans to enhance business growth. Supervise, train and review the work of Credit Risk Analysts within projects managed. Participate in coordinating credit bureau reporting, systemic translation of credit bureau attributes and credit decision processing. Ensure compliance monitoring is in place, including processes for management of operational risk, in accordance with Company and regulatory standards. Complete other related duties as assigned and provide management direction to foster effective selection, development and reward of subordinates while contributing to initiatives in support of the Company’s Diversity programs.
Basic Qualifications:
- Bachelor’s degree in mathematics, statistics, finance, economics, related field or equivalent experience
- Master's Degree preferred
- Five years proven statistical analysis and/or MIS experience
- Management experience as well as knowledge and understanding of financial services preferred
- Well-developed organizational, analytical, problem-solving, project management and verbal and written communication skills
- Proficiency with personal computers as well as pertinent mainframe systems and software packages
- Strong programming skills to include knowledge of statistical programs (i.e. SAS, SAP) and/or advanced database programs
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