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If you’re looking for a career that will give you plenty of opportunities to develop, join HSBC and your future will be rich with potential. Whether you want a career that could take you to the top, or simply take you in an exciting new direction, HSBC offers opportunities, support and rewards that will take you further.
Retail Banking and Wealth Management serves more than 50 million customers worldwide with a complete range of banking and wealth management services to enable them to manage their finances and protect and build their financial futures. It is a global business that brings together management responsibility for Retail Banking, Wealth Management, Insurance and Asset Management with a focus on customer-centric propositions and innovative and efficient distribution channels.
This analytics position will support the retail asset business in Asia Pacific through implementing vintage pricing models across Cards, Loans and Mortgage products in order to optimize new portfolio RoRWA.
It will work closely with country and regional risk, finance, data and Customer Value Management teams to develop, review, validate and finalize model outputs and resulting investment decisions. The position will also serve as a key Data and Vintage Profitability Modeling Subject Matter Expert (SME) within the region and contribute to best practices globally.
Implement standard Vintage Profitability models across Cards, Loans and Mortgages across multiple markets
Serve as the technical lead in Vintage Profitability modeling within the region
Moderate investment decision discussions with cross-functional teams, acting as Subject Matter Expert (SME) across a region or multiple countries
Analyze and interpret financial impact of alternative decisions on the profitability of product lines and businesses
Review and approve inputs, outputs and methodology from local and GAC teams in regional markets where appropriate
Initiate, conduct and lead all steps of project, including stakeholder management, working group management, planning, data management, reporting, analysis, summary of findings, recommendations, presentation of results, and project documentation.
Coordinate inputs from country risk, finance and Customer Value Management teams
Forecast applicable vintage drivers through the life of an account
Document forecast inputs and outputs for collaborative cross-functional review
Monitor model results for deterioration and re-forecast as appropriate
Manipulate, modify and validate data from diverse and sometimes challenging sources to populate models
Develop commercial and RWA optimization opportunities through valuation of new business initiatives
Develop and facilitate training programs in Vintage Profitability modeling
Perform other projects or special assignments as required
Degree in a relevant discipline, along with years’ of relevant working experience
Deep knowledge and expertise in Vintage Financial Profitability Modeling
Experience of working with the Risk, Business, Data, and Finance organizations to make optimal decisions
Ability to manage a cross-functional process in a matrix organization, gaining buy-in and problem solving across multiple stakeholders at different organizational and functional levels
Strong strategy, analytical and problem solving skills
Experience manipulating and transforming raw data into complex model inputs
Proven business project leading experience, as well as of leading an analytical team and working in complex matrix environments
Strong process management orientation
Excellent strategic, analytical and problem solving skill
Solid verbal & written communication
Global or Regional experience is a plus
Knowledge or background in Marketing and customer segmentation is a plus
Computer programming skills using statistical programs such as SAS or advanced use of data base programs is a plus
You’ll achieve more when you join HSBC.
Candidate with less relevant experience or skills may be offered a lower Global Career Band than stated above.
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