Role purpose
• Support credit risk monitoring across HSBC Mexico’s unsecured lending portfolios to deliver safe, sustainable growth for customers and the bank.
• Cover Personal Loans, Retail Business Banking Loans, Auto Loans and other applicable products.
• Prepare portfolio reports, data analysis, management information and governance materials that enable clear, timely decisions.
• Identify performance trends, data-quality issues and emerging portfolio risks, raising concerns early.
• Escalate material issues and support follow-up actions within agreed timelines.
• Work closely with Risk, Business, Product, Operations, Finance, Data and regional teams to ensure alignment and effective collaboration.
• Build knowledge of consumer credit and HSBC’s risk management framework and apply it in day-to-day work.

Main activities
Portfolio Risk Monitoring and Analysis
• Support regular monitoring of unsecured lending portfolios.
• Analyse applications, approvals, exposure, utilisation, delinquency and recoveries.
• Review roll rates, charge-offs,



expected credit loss and other agreed indicators.
• Prepare dashboards, portfolio reports and management commentary.
• Conduct basic product, segment, vintage and channel analysis.
• Check data completeness, consistency and reasonableness.
• Highlight unusual movements and emerging portfolio risks.
• Maintain reporting files and supporting documentation.

Credit Risk Strategy, Policy and Controls
• Support monitoring of credit policies and lending controls.
• Review eligibility criteria, credit limits and affordability rules.
• Track credit strategies, scorecards, bureau data and decision rules.
• Compare performance against agreed indicators.
Stakeholder support and process improvement

• Work with Risk, Business, Product, Underwriting, Collections, Operations, Finance, Data, Compliance and regional teams.

• Obtain information and deliver assigned tasks within agreed timelines.

• Prepare clear documents for reviews, meetings a

📌 Unsecured Lending Risk (Ciudad de México)
🏢 Hsbc
📍 Ciudad de México