HSBC

3 weeks ago

Manager Portfolio Risk Management (Unsecured)

✓ Verified Job

Canonical indexed version, validated from employer's careers page.

Source: Company careers pageValidated by: Fursa AI

Last checked: 21 hours agoStatus: Live

Job Summary

Oversee financial and non-financial risk for HSBC’s retail unsecured portfolio, including cards, personal loans, and overdrafts. Build and maintain unsecured lending risk frameworks aligned to risk appetite and governance. Monitor portfolio performance and credit quality using MIS, reporting tools, and early warning triggers, while driving periodic reviews of products and policies. Lead stakeholder engagements, support audit/regulatory deliverables, and use analytics and AI (Python, Co-Pilot) to automate reporting and strengthen control effectiveness.

Location: Kuala Lumpur

Workplace: Onsite

Employment Type: Full time

Job Function: Legal, Risk & Compliance

Seniority: Manager level

Key Responsibilities

•Provide end-to-end oversight of financial risk and non-financial risk for the retail unsecured portfolio (cards, personal loan, overdraft), ensuring balanced risk decisions and sustainable growth.
•Develop, review, implement, and maintain risk policies and frameworks for unsecured lending aligned to portfolio strategy and risk appetite.
•Lead portfolio performance and credit quality monitoring using MIS, reporting tools, and early warning triggers to protect agreed KPIs and manage emerging risks.
•Conduct periodic portfolio, product, and policy programme reviews, including annual renewal of the RRP and risk mitigation programme to keep controls effective and current.
•Steer automation and system implementation of credit strategies and policies across credit origination platforms and decision engines to improve control effectiveness and speed-to-market.

Key Requirements

•Degree-qualified with 5+ years’ banking experience, ideally in retail unsecured lending and the end-to-end credit cycle.
•Awareness of financial risk and non-financial risk, including credit risk across the portfolio lifecycle and the credit–fraud interface, with a control-minded approach.
•Strong knowledge of local regulations and guidelines for unsecured products, able to interpret and translate requirements into execution.
•Strong analytics capability: advanced Excel and experience with MIS/reporting tools; SAS/QlikView and Python/machine learning are advantageous.
•Strong stakeholder management and delivery skills across functions and vendors, with an agile, transformation-oriented mindset and aptitude for systems/automation (e.g., decision engines).

Experience:5+ yearsBankingRetail unsecured lendingCredit riskUnsecured lendingCredit lifecycle

Education:Bachelor's

Skills:Stakeholder managementRisk awarenessAnalyticsClear communicationDelivery governance

Tech Stack:ExcelMISReporting toolsSASQlikViewPythonMachine learningHSBC Productivity SuiteCo-PilotDecision enginesAutomation

Company Brief

HSBC

Global banking and financial services organisation offering retail, commercial, corporate and investment banking, wealth management, and global markets services across Europe, Asia, the Americas and the Middle East.

Industry: Banking

Company Size: Enterprise (1,001+ employees)

Revenue: USD 1B+

Growth: Public Company

Valuation: Public Company (Market Cap in USD)

Funding: IPO / Publicly Listed

Headquarters: London, United Kingdom

Founded: 1865

Glassdoor: 3.6

Website LinkedIn

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HSBC

3 weeks ago

Manager Portfolio Risk Management (Unsecured)

✓ Verified Job

Canonical indexed version, validated from employer's careers page.

Source: Company careers pageValidated by: Fursa AI

Last checked: 21 hours agoStatus: Live

Job Summary

Location: Kuala Lumpur

Workplace: Onsite

Employment Type: Full time

Job Function: Legal, Risk & Compliance

Seniority: Manager level

Key Responsibilities

•Provide end-to-end oversight of financial risk and non-financial risk for the retail unsecured portfolio (cards, personal loan, overdraft), ensuring balanced risk decisions and sustainable growth.
•Develop, review, implement, and maintain risk policies and frameworks for unsecured lending aligned to portfolio strategy and risk appetite.
•Lead portfolio performance and credit quality monitoring using MIS, reporting tools, and early warning triggers to protect agreed KPIs and manage emerging risks.
•Conduct periodic portfolio, product, and policy programme reviews, including annual renewal of the RRP and risk mitigation programme to keep controls effective and current.
•Steer automation and system implementation of credit strategies and policies across credit origination platforms and decision engines to improve control effectiveness and speed-to-market.

Key Requirements

•Degree-qualified with 5+ years’ banking experience, ideally in retail unsecured lending and the end-to-end credit cycle.
•Awareness of financial risk and non-financial risk, including credit risk across the portfolio lifecycle and the credit–fraud interface, with a control-minded approach.
•Strong knowledge of local regulations and guidelines for unsecured products, able to interpret and translate requirements into execution.
•Strong analytics capability: advanced Excel and experience with MIS/reporting tools; SAS/QlikView and Python/machine learning are advantageous.
•Strong stakeholder management and delivery skills across functions and vendors, with an agile, transformation-oriented mindset and aptitude for systems/automation (e.g., decision engines).

Experience:5+ yearsBankingRetail unsecured lendingCredit riskUnsecured lendingCredit lifecycle

Education:Bachelor's

Skills:Stakeholder managementRisk awarenessAnalyticsClear communicationDelivery governance

Tech Stack:ExcelMISReporting toolsSASQlikViewPythonMachine learningHSBC Productivity SuiteCo-PilotDecision enginesAutomation

Company Brief

HSBC

Industry: Banking

Company Size: Enterprise (1,001+ employees)

Revenue: USD 1B+

Growth: Public Company

Valuation: Public Company (Market Cap in USD)

Funding: IPO / Publicly Listed

Headquarters: London, United Kingdom

Founded: 1865

Glassdoor: 3.6

Website LinkedIn