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 an

📌 Advisor Wealth and Premier Banking Risk (México)
🏢 HSBC Holdings
📍 México