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HSBC Commercial Banking serves millions of businesses ranging from small, to large corporates, providing commercial customers with a full range of banking services including Global Trade and Receivables Finance, RMB solutions, multi-currency business accounts, payments and cash management, and wealth management and insurance, , as well as a comprehensive range of financing solutions. With dedicated Relationship Managers and Product Specialists providing local support and advice in over 60 countries and territories, HSBC helps connect customers to opportunities.

We are seeking an inquisitive and analytical person to join our team in the role of Credit Strats Director.

There is an increased focus on using our capital optimally and managing credit risk in a way that both helps improve our business profile and ensures compliance with an increasing complex regulatory environment. The Credit Strats Director will help deliver a global program to build and utilize a set of tools that leverage capital models to optimize our business strategy, and understand the risk profile at a deeper level.

You will partner with Product specialists across the regions - especially within Wholesale Credit and Lending and Group Risk Analytics - to ensure models are optimised to serve the CMB franchise and structural market conditions in each region. This will include working in cross-functional teams to implement changes to the technology stack.

You will be required to deliver strong thought leadership and best-in-class credit analytics that will support the frontline in delivering ambitious revenue uplift targets, leverage capital models to optimize business strategy, and enable deeper understanding of the credit risk profile.

In this role you will:

Drive a program to build and utilize a set of tools that leverage the capital models to optimize our business strategy and understand the risk profile at deeper levelProvide commercially driven thought leadership in the design and calibration of the relevant credit framework Act as trusted advisors, partnering with main business heads / functions and providing constructive challengeUndertake statistical profiling of disperse datasets representing inputs into the return on equity of the business identify opportunities to optimise one or more aspects of profitability metrics with a focus on product pricingPartner with client facing teams in the design of capital resource efficient products ensuring the tooling is available to monitor the performance of those productsContribute towards the Strats “hub organization” approach – sharing SME expertise/knowledge, and connecting disparate teamsComply with all required internal policies and external rules or laws, taking into account all of the relevant policies and rules applicable to any given business processEnsure all team members are aware of their obligations in regard to internal policies and external rules including those relevant to data access and control, money laundering, terrorist financing, sanctions and other reputational risks