Lead Credit Risk Strategy Analyst

Lead Credit Risk Strategy Analyst – HSBC

This role is within HSBC’s Risk and Compliance function, responsible for driving data‑led decisions and strategy design for unsecured retail portfolios. Reporting to the Portfolio Manager, you’ll own analytical initiatives and portfolio projects that shape lending, risk management and customer outcomes.

• Develop, enhance and maintain credit risk strategies that enable high‑quality, data‑driven decision‑making, balancing customer needs and business objectives.
• Drive complex analytical projects from inception to completion with minimal supervision, ensuring outcomes are insightful, actionable and aligned with business goals.
• Clearly communicate conclusions and proposals, factoring in risk, reward, and customer impact, and work collaboratively to drive informed decisions.
• Actively challenge existing policies and practices by offering clear, evidence‑based insights to drive better portfolio outcomes in alignment with overall business goals.
• Evaluate portfolio performance against agreed performance indicators, identifying areas of concern or opportunity to ensure sustainable and responsible growth.
• Ensure risks and issues are identified, tracked and addressed in a timely and transparent manner, collaborating with relevant stakeholders to maintain strong governance and accountability across the portfolio.
• Create an inclusive and inspiring environment that motivates individuals to perform at their best. You’ll ensure strong team engagement, enhancing knowledge, skills and confidence to enable a collaborative culture.
• Build strong relationships across the wider organisation, offering insight and leadership to influence change and drive improvements in customer outcomes, acting as a role model for HSBC values and behaviors.

• Essential experience in Retail Credit Risk, with a focus on credit strategy or portfolio management.
• Strong technical and analytical skills, with proficiency with SAS, SQL, VBA, or Python, to process large datasets, generate insights and drive decision‑making.
• Track record in delivering successful cross‑functional projects, with strong attention to detail and a structured approach to problem‑solving.
• A strong understanding of retail credit products and consumer lending regulations (FCA), with experience of applying these in an unsecured consumer lending context.
• Excellent communication and stakeholder management skills, with the ability to influence, collaborate and drive action.
• A passion for leadership and people development, with the ability to coach, inspire, and motivate a team.
• A degree or qualification in an analytical, numerical or technical field, or equivalent practical experience.

Location:

Leeds, United Kingdom (Hybrid work basis)

If you’d like to apply or require adjustments, please contact our Recruitment Helpdesk:

• Email:
• Telephone:

HSBC is dedicated to creating diverse and inclusive workplaces. Our recruitment processes are accessible to all, and we are Disability Confident Leaders, offering interview accommodations to people with disabilities, long‑term conditions or neurodivergent candidates who meet the minimum criteria for the role.

Senior Level: Mid‑Senior level |

Employment Type:

Full‑time | Job Function:
Finance and Sales