-Job description**Role purpose**
- Coordinate and manage projects related to the credit card lifecycle (acquisition, usage, renewal, retention)
- Support the execution of larger-scale initiatives, including digital enhancements, engagement campaigns, and risk process improvements
- Implement company policies and contribute to the achievement of functional and regulatory objectives.
- Monitor the quality and efficiency of task and services, ensuring regular process reviews and controls are in place.
- Identify and escalate issues that impact product performances, operational risk, or customers experience.
- Communicate technical or sensitive information effectively across various levels of stakeholders
- Adhere to established policies and procedures within the team and broader organization
- Support change management initiatives related to credit card products and escalate any risk or concerns as needed.
**Main activities**
- Analyse key performance indicators (KPIs) across the credit card lifecycle (acquisition, usage, renewal, retention, delinquency).
- Develop dashboard, reports, and visualizations to monitor trends and track business outcomes.
- Identify patterns, risk and opportunities using data to support portfolio growth and profitability.
- Collaborate with risk, product, and operations tams to translate data findings into actionable recommendations.
- Ensure the accuracy and integrity of data used in reporting and analysis by validating sources and methodologies.




- Communicate complex findings and insights in a clear and structured manner to technical and non-technical stakeholders.
- Escalate data quality or performances issues and recommend solutions for continuous improvement.
- Performance Monitoring of Models: Scoring, Income, Prepayment and NCL forecasting
- Monitoring of risk distribution, to ensure acquisition is aligned to risk appetite / credit limits
- Data analysis to support Portfolio Managers to identify any opportunity for loosen / tighten credit policy:
- Maintain close communication with Portfolio Managers
- Record requests of portfolio managers to facilitate proper prioritization.
- Identify trends in KPI, as well as proactive research to understand relevant movements.
- Continues improvement in our control environment:
- Continue enhancement of our processes and documentation.
- Automation of manual steps in our processes to reduce operational risk
- Deliver risk reports in time according to Service Level Agreements (SLA)
- Timely escalation of any data issue and / or finding, as well as any delay of inputs
- Participate in prove of concept (PoC) of new analytical tools (e.g., Google Looker or other cloud native)
Requirements**Functional Knowledge / Skills**




- Programming skills
- Proficiency in any programming language, which need to be proved (certifications, exams, courses, etc), additional points if the programming language is SAS, SQL and / or Phyton.
- Advanced Excel, with experience on pivot tables, advanced filters, conditional format, macros, solver, connection with external data (e.g., SAS) and creation of dynamic dashboards with slicers (mandatory)
- Experience with tools for data visualization would give additional points
**Knowledge on technical areas**:
- Credit Risk: understanding and ability to explain basic KPIs as: PD, LGD and CCF, as well as order relation across banking products (e.g., how is Mortgage compared to Unsecured LGD)
- Financials: Relation between general ledger and income statement, profitability ratios (e.g. RoTE), prepayment on amortization tables, relation of interest curves and central bank, etc.
- Statistics: understanding of linear regressions (logistic, XGB, RF, etc), as well as indicators to assess model performance (e.g., Gini, PSI, confusion matrix, etc.)
**Soft Skills**
- Intermediate English level, to produce comments on KPI trends for general stakeholders.
- Ability to learn new concepts / skills by himself with no support from a third party (self-learner)
- Attention to detail to identify errors and proactivity to identify opportunity areas to implement controls.
- Strong communication skills, to explain complex technical concepts with few words

📌 Risk Analytics and Modelling (Cuauhtémoc)
🏢 Hsbc
📍 Cuauhtémoc