Lead Credit Risk Analyst

Overview

As Lead Credit Risk Analyst in RBWM, you shape analytics to strengthen credit decisions and portfolio outcomes. You will deliver data-driven, automated solutions and monitor performance across transactional and portfolio levels, supporting profit and growth while reducing risk. The role partners with cross-functional teams and offshore analytics groups in a regulated environment, delivering high-quality risk insights and measurable benefits. You’ll contribute to risk governance and drive impactful analytics initiatives aligned with HSBC’s goals.

Pay / Benefits

• private healthcare for all UK-based employees
• enhanced maternity and adoption pay
• return-to-work support
• contributory pension scheme with generous employer contribution
• tailored professional development opportunities
• competitive pay and benefits package

Responsibilities

• Shape and deliver a portfolio of analytics projects, coordinating analysts and offshore teams to meet deadlines and quality targets
• Influence project planning with stakeholders, maintaining updates and alignment on outcomes
• Prioritise work and manage ad-hoc requests with structured re-planning
• Ensure output integrity with governance and accountability for results
• Develop and maintain data-driven solutions to support profitability while reducing risk, bad debt, and fraud
• Oversee credit risk MI and provide insightful commentary on customer and portfolio behaviour
• Specify and complete post-implementation reviews to verify benefits are realized
• Build strong cross-team relationships and engage with regulators or external suppliers as needed

Key requirements

• Experience managing analytics projects within a team, delivering on time and budget
• Deep knowledge of RBWM product suites and lifecycle behavior
• Expertise in statistical models and data-driven rules for credit portfolios, including KPIs and drivers
• Ability to build analytic solutions using credit assessment and management methodologies
• Partnership with business and IT to deliver strategic change
• Advanced analytics techniques in data-rich environments and ability to translate findings into business impact
• Strong SAS and Python capability with complex macros, data extraction, and reporting
• Ability to present complex statistical concepts clearly to varied audiences across geographies

• stakeholder management
• collaboration
• communication clarity
• SAS
• Python
• complex macros

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