Credit Risk Analyst

HSBC; Leeds; Hybrid; GBP 40,000 - 80,000; Full time

Job description

Some careers shine brighter 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.

This is a fantastic opportunity for someone who wants to build on their Analytics experience, joining the department who won the 2025 FSTech Best Use of Data Analytics award in a role as Credit Risk Analyst.

As a HSBC employee in the UK, you will have access to tailored professional development opportunities 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:

1. Develop, maintain and improve credit risk strategies to allow us to make high quality decisions for our customers driven by data.
2. Provide analysis to run credit portfolios within our agreed risk appetite.
3. Support growth in the business through the delivery of initiatives, supporting the design and roll-out of new lending products or enhancing existing product features.
4. Assess the expected impact of proposals to understand how they will perform over time.
5. Monitor strategies to ensure they are performing as expected and changes have been implemented successfully and the expected impacts have been realised.
6. Ensure that the portfolio strategies and processes are aligned with the appropriate regulations and regulator guidance.
7. Ensure adherence to Group and Regional policy and FIM requirements, providing timely MI and insight into the performance of different portfolios and delivery of key Global/Regional Risk initiatives.
8. Work with business partners to find solutions to deliver systemic solutions to emerging business risks and priorities.

To be successful in this role you should meet the following requirements:

1. An analytical thought process, with excellent quantitative analysis skills is essential.
2. Ability to draw conclusions based on analytic results, and present complex concepts tailored to the audience is crucial.
3. Excellent problem solving skills and attention to detail is key.
4. Ability to prioritise competing demands.
5. Experience of coding, and analysing data using software packages such as SQL, SAS, Python, Looker, BigQuery is essential.
6. Experience of Stakeholder management is essential.
7. Banking experience with an understanding of consumer lending products, ideally credit cards or personal loans would be highly desirable.

This is a hybrid role and can be based in Leeds, Sheffield or Birmingham.

Opening up a world of opportunity.

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 for everyone to be at their best. We take pride in being a Disability Confident Leader and will offer an interview to people with disabilities, long term conditions or neurodivergent candidates who meet the minimum criteria for the role.

If you have a need that requires accommodations or changes during the recruitment process, please get in touch with our Recruitment Helpdesk:

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