Some career choices have more impact than others.

At HSBC we exist with the purpose of Opening up a World of Opportunity. We use our unique expertise, capabilities, breadth and perspectives to provide opportunities for our customers and colleagues through global connectivity. We bring together the people, ideas and capital that nurture progress and growth, helping to create a better world – for our customers, our people, our investors, our communities and the planet we all share.

As an HSBC employee in Australia, you’ll have access to tailored professional development opportunities, competitive pay, an embedded flexible working culture and a range of employee benefits. These include market-leading subsidised private health cover, enhanced parental pay and support when returning to work, subsidised banking products and services, bonus leave days and wellness programmes including discounted gym memberships.

We have an opportunity for a Senior Analyst Unsecured Risk to join us, reporting into the Senior Manager Unsecured Risk, within Risk and Compliance. The role will monitor and analyse the Bank's IWPB portfolios using sophisticated analytical models, with the purpose of formulating and implementing business cases to balance risk and reward across the credit life cycle. It will work closely with each of the product groups, providing risk/profitability related analytics to support the management of the unsecured IWPB Portfolios, and also support all unsecured provisioning modelling meeting IFRS9 requirements as well as Basel Committee on Banking Supervision (BCBS).

Responsibilities:

Support straight through processing opportunities and streamlining the verification rules via proactive strategy enhancements, developing and implementing a range of champion/challenger (test learn) strategies for credit cards.Proactively identify problem areas and opportunities within the portfolios with processes and policy analysis to enhance the profitability of the portfolios.Manage and monitor the performance of automated credit scoring models ensuring they support the risk/reward trade off with the emphasis on maximising customer profitability.Review and streamlining of all IWPB Risk Management Information for the IWPB unsecured products, ensuring all critical deadlines are met. Support the Portfolio Risk Analysts to develop their technical skills by sharing best practice techniques.Assist in the implementation and ongoing enhancement of all HBAU decisioning systems and strategies.Work closely with ASP IWPB Risk in Region (HK) to ensure that regional guidelines and procedures are followed and that best practise techniques are introduced where appropriate.