Senior Credit Risk Analyst Some careers open more doors than others. If you're looking for a career that will unlock new opportunities, join HSBC and experience the possibilities. 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. Our Risk and Compliance function has a critical role to play in supporting, challenging and advising across all areas of the business through establishing policy, monitoring profiles, and identifying and managing forward:looking risk and compliance. We focus on creating an environment that encourages our people to speak up and do the right thing, as well as protecting our customers, the organisation and the integrity of the financial markets in which we operate. Already an industry:leader in many respects, we want to continue setting standards and evolving to respond to strategic changes. As an HSBC employee in the UK, you will have access to tailored professional development opportunities including working towards any desired and relevant insurance qualifications, and a competitive pay and benefits package. This includes private healthcare for all UK:based employees, enhanced maternity and adoption pay and support when you return to work, and a contributory pension scheme with a generous employer contribution. In this role you will: -Support growth in the business, by contributing towards a range of analytical projects that enhance existing product features and manages the exposure of our existing customers. -Provide analysis to monitor credit portfolios against agreed performance indicators, identify emerging trends and future risks. -Examine new data sources, assess the benefit to current strategies and share these findings with stakeholders.-Support the strategic direction of the team in proactively improving our processes / creating efficiency saves and delivering on analytical tasks.-Formulate and clearly communicate conclusions and proposals by considering the risk, reward and customer impact, collaborating with teams to make decisions. -Build strong interpersonal relationships and engage with the wider organisation to provide insight and support for changes required to improve customer outcomes. To be successful in this role you should meet the following requirements: -Previous experience in a relevant analytical / data science role, within a Retail Credit Risk or analytics department (or equivalent in other industries). -Excellent attention to detail and a track record of analytical capabilities using relevant software packages (i.e. SAS/SQL/VBA/Python) to analyse large amounts of data, draw conclusions and drive actions. -An understanding of consumer lending products, profitability and credit risk is desirable.-Technical knowledge of credit reference agencies and bureau data fields / reporting is desirable.-Knowledge of FCA regulations and experience of their application in a consumer lending environment is desirable. -Experience of planning your own tasks and activities in line with business priorities, using a variety of analysis and problem solving techniques. -Both spoken and written communication skills with experience of adapting your style and approach to the audience and message to be delivered. -You enjoy working collaboratively and are a clear communicator. -You are motivated by making a positive contribution to how we support our customers and deliver for HSBC. This role can be based in Birmingham, Leeds or Sheffield (Hybrid). Being open to different points of view is important for our business and the communities we serve. At HSBC, we're dedicated to creating diverse and inclusive workplaces : no matter their gender, ethnicity, disability, religion, sexual orientation, or age. We are committed to removing barriers and ensuring careers at HSBC are inclusive and accessible fo