Manager - Credit Policy/Risk

Job Description: 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.

-May supervise, train and review the work of Credit Risk Analysts within projects managed.

-May 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 employees while contributing to initiatives in support of the Company’s Diversity programs.

Job Experience:
-Five years proven statistical analysis and/or MIS experience, or equivalent. Management experience as well as knowledge and understanding of financial services preferred.
-Bachelor’s degree in mathematics, statistics, finance, economics, related field or equivalent experience; Masters degree 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.

HSBC Compensation
HSBC is a pay for performance company with policies and programs designed to ensure all employees receive fair and equitable compensation based on performance. Our compensation program is designed to attract, motivate, develop and retain the very best people.



HSBC Benefits
We are proud of our comprehensive flexible benefit program. Our program allows our employees to select the features that make the most sense for their individual and/or dependent(s) needs. Our benefit features include, but are not limited to; medical, prescription drug, dental, vision, life insurance, short and long term disability, retirement plans, stock option purchase plan, and a competitive time off program.

Searchable Keywords: Manager - Credit Policy/Risk / gj-mo

Minimum Education Required: Bachelor

Years of Experience Required: More than 5 years

Expected Travel Time: None