Credit Risk Senior Analyst

The role is within the Risk function of the Global Private Banking & Wealth (GPB&W) at HSBC Technology Poland, specifically in the Credit Risk Portfolio Management team. This team handles collateral assessment, reporting, analytics, and management information for Global Private Banking & Wealth lending activities, with stakeholders mainly in internal Finance and Risk functions. The team also participates in implementing new lending frameworks and projects impacting WPB activities.

• University degree in finance, mathematics, computer science, or related quantitative fields.
• Preferably holds international financial/risk accreditation, e.g., CFA, FRM, PRM.
• Minimum 2 years relevant banking experience in Risk, Product Control, Front Office, or Middle Office.
• Good understanding of financial instruments and risk management measures.
• Very good MS Excel skills including technical formulas, Pivot tables, and VBA.
• Knowledge of Access, SQL, and Python considered strong advantages.
• Strong presentation and interpersonal skills.
• Self-starter with ability to think creatively and challenge status quo.
• Very good command of English; French is a plus.
• Excellent administrative efficiency, time management, attention to detail.
• Ability to handle multiple concurrent tasks, work under pressure, and strong team player with good communication skills.

• Undertake credit-related periodic reports timely and accurately, analyzing drivers of changes in credit exposure and collateral risks.
• Handle and analyze large datasets for credit monitoring and reporting.
• Reconcile and consolidate returns for global reports.
• Develop and improve reporting tools.
• Analyze financial products held as Lombard collateral, monitoring concentration and exposures.
• Review market movements and assess impacts on lending portfolios.
• Perform volatility, simulation, and stress testing analyses on credit facilities.
• Ensure risk factors remain conservative given market changes.
• Assess various financial instruments as Lombard collateral per methodology.
• Build strong understanding of the lending framework and share knowledge with stakeholders.
• Support or lead initiatives to enhance existing credit risk methodologies.
• Ensure Credit Policy implementation with appropriate system controls.