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.
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 and control activities.
Support improvements to reporting, reconciliations, data quality and analytical processes.
Use tools such as Excel, SQL, Python, SAS or equivalent platforms.
Apply HSBC data, confidentiality and governance requirements.
Seek feedback and assume greater responsibility as capability develops.
Requirements
Bachelor's degree in Finance, Economics, Engineering, Mathematics, Statistics, Actuarial Science, Business Administration or a related discipline.
Experience or relevant academic projects in financial services, risk or data analysis are an advantage.
Basic understanding of financial services, consumer credit and credit risk management, with interest in how decisions impact customers and the bank.
Curiosity about the full consumer credit lifecycle (acquisition, underwriting, account management, collections and recoveries) and how each stage affects portfolio performance.
Foun

📌 Unsecured Lending Risk (Xico)
🏢 HSBC Holdings
📍 Xico