Credit Risk Senior Analyst

About the role

The role resides under the Risk function of the Global Private Banking & Wealth (GPB&W). The Credit Risk Portfolio Management team is responsible for collateral assessment and production of reporting, analytics and management information covering the Global Private Banking & Wealth lending activity. The team stakeholders are mainly internal Finance and the Risk function. The team also plays an important role in the implementation of new lending framework and other internal project affecting the activity of WPB. Credit Risk Senior Analyst is able to assess the collateral eligibility within the existing methodology. In addition, the person is able analyze large data sets in an efficient way, providing relevant information about trends and drivers in the lending activity. A strong team member, he will have to handle multiple concurrent tasks, communicate effectively and be attentive to detail.

Your responsibilities

• Undertake credit-related periodic reports in a timely and accurate manner: perform analysis on the drivers of changes in credit exposure / collateral and provide insight into the main risks within the lending book; ensure that the appropriate level of monitoring and control is undertaken when analysing credit data, handle and analyse large datasets. Reconcile and consolidate returns for global reports; improve existing and develop new reporting tools,

• Analysis and reporting on financial products held as Lombard collateral in lending portfolios: monitor concentration and various exposures in the book, review market movements and analyse the potential impact, 

• Perform volatility, simulation and stress testing analysis for new and existing credit facilities: ensure that existing risk factors remains conservative enough given changes in the market conditions, provide adequate analysis on Lombard portfolios, proactive attitude to improve quality of analysis, 

• Carry out assessment of various financial instruments offered as Lombard collateral: ensure the collateral is assessed in line with the methodology covering all relevant risk factors, build strong understanding of the lending framework and share the knowledge with stakeholders, support / lead initiatives to enhance the existing methodology, ensure the Credit Policy is correctly implemented in local systems with appropriate controls in place.

Our requirements

• University graduate in finance, mathematics, computer science or any other quantitative related degrees 

• Preferably international financial/risk accreditation e.g. CFA, FRM, PRM

• 2+ years of relevant experience in banking e.g. Risk, Product Control, Front Office, Middle Office

• Good understanding of various financial instruments and/or risk management measures

• Very good MS Excel skills (technical formulas, Pivot, VBA) is a must, Access/SQL/Python is a strong advantage

• Strong presentation and interpersonal skills. Self-starter with ability to think out of the box and challenge the status quo

• Very good skills in English, French would be a plus

• Administrative efficiency and excellent time management. Excellent attention to detail and a disciplined approach. Ability to handle multiple concurrent tasks and projects and work under pressure. Strong team player with very good communicational skills

What we offer

The pay range for this role is 11 275 PLN – 16 908 PLN (monthly, gross).

• Additional bonuses for recognition awards

• Multisport card

• Private medical care

• Life insurance

• One-time reimbursement of home office set-up (up to 800 PLN)

• Cafeteria platform

• Employee assistance program  

• Additional contributions to PPK scheme

• Corporate parties & events

• CSR initiatives

• Nursery discounts

• Financial support with trainings and education

• Social fund

• Flexible working hours 

• Free parking

We are looking to hire as soon as possible so don’t wait and apply now!

You'll achieve more when you join HSBC.

We thank all interested candidates for their applications. We reserve the right to contact only selected candidates.

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In case you would like to resign from participation in recruitment process or withdraw previously sent to us application, please email us at: krakow.recruitment@hsbc.com