Credit Policy & Risk Analyst
HSBC - Elmhurst, IL

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Provides analytical and/or MIS (Management Information System) support for various credit policy, risk and/or marketing related functions.

Impact on the Business

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Conduct cost and profitability studies of customer groups, merchants and/or loan types for business unit operations. Evaluate and implement internal and external credit scoring using both traditional and advanced forms of predictive technology

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Complete analysis and document results of alternative risk management options and credit risk issues. Design and prepare analyses of operating data; formally present findings to management

Customers / Stakeholders

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Prepare exhibits and supporting material and develop recommendations for credit and pricing policies, credit bureau usage, bulk acquisitions, new loan or merchant program structures, profitability/pricing for accounts and portfolios and provides revenue, cost, delinquency and loss forecasts

Operational Effectiveness & Control

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Provide support for analytical research projects and/or statistical models to include project design, data collection, database design, analysis and presentation of results

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Analyze loan and customer credit risk performance using corporate databases. Utilize external scoring and/or management software packages to aid in managing account acquisition and portfolio management

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Design and/or write technical programs for statistical analysis of portfolio and/or credit bureau performance and monitoring

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Assist in establishing, monitoring, evaluating, developing and implementing strategies for new account acquisition, credit limit setting and account management

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Ensure account acquisition, account management, and data delivery systems are operating efficiently. Should code, test, program and implement new policy changes for account acquisition or account management systems

Role Context

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Some business units may require this position to assist in the development and selection of predictive credit risk variables for model development, deployment and/or validation

Management of Risk

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Ensure compliance, operational risk controls in accordance with HSBC or regulatory standards and policies; and optimize relations with regulators by addressing any issues

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Promote an environment that supports diversity and reflects the HSBC brand

Observation of Internal Controls

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Maintains HSBC internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators

Qualifications

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One year proven statistical analysis and/or MIS experience, or equivalent. Knowledge and understanding of financial services preferred

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Bachelor’s degree in mathematics, statistics, finance, economics, related field or equivalent experience

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Strong organizational, analytical, problem-solving, verbal and written communication skills

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Knowledge of segmentation, targeting, optimization, and life cycle management required

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Proficiency with personal computers as well as pertinent mainframe systems and software packages

Job Field

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Risk Management

Primary Location

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North America-United States-Illinois-Elmhurst

Schedule

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Full-time

Shift

:

Day Job

Job Posting

:

03-Oct-2012, 05:00:00

Unposting Date

:

01-Jan-2013, 04:59:59

HSBC - 2 years ago - save job
About this company
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HSBC Bank Canada is a banking and financial services company. It has three segments: Personal Financial Services, Commercial Banking and...