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Join our Award-Winning Credit Risk Team

Are you a data driven problem solver passionate about improving customer outcomes and managing risk responsibly?

We're looking for a Lead Credit Risk Analyst to join our high-performing team supporting Wealth and Personal Banking initiatives across HSBC, M&S bank and first direct. This is your chance to contribute to strategy design, drive portfolio performance and help shape the future of unsecured lending products.

As part of a collaborative, award winning team (winners of Best Use of Data Analytics - FSTech Awards 2025), you'll work on complex projects with real impact - leading analytical work, improving credit strategies and supporting business growth.

You will play a key role in driving data-led decisions and strategy design for unsecured retail portfolios. Reporting to the Portfolio Manager, you'll have ownership over analytical initiatives and portfolio projects that shape how we lend, manage risk, and improve customer outcomes.

This is a high-impact role offering variety and challenge, with the opportunity to influence strategic direction across credit lifecycle decisions, including acquisitions, account management, and customers in financial difficulty.

What You'll Be Doing:

Develop, enhance and maintain credit risk strategies that enable high-quality, data-driven decision-making, balancing customer needs and business objectives.
Drive complex analytical projects from inception to completion with minimal supervision, ensuring outcomes are insightful, actionable and aligned with business goals.
Clearly communicating conclusions and proposals, factoring in risk, reward, and customer impact, and working collaboratively to drive informed decisions.
Actively challenge existing policies and practices by offering clear, evidence-based insights to drive better portfolio outcomes in alignment with overall business goals.
Evaluate portfolio performance against agreed performance indicators, identifying areas of concern or opportunity to ensure sustainable and responsible growth.
Ensure risks and issues are identified, tracked and addressed in a timely and transparent manner, collaborating with relevant stakeholders to maintain strong governance and accountability across the portfolio.
Create an inclusive and inspiring environment that motivates individuals to perform at their best. You'll ensure strong team engagement, enhancing knowledge, skills and confidence to enable a collaborative culture.
Build strong relationships across the wider organisation, offering insight and leadership to influence change and drive improvements in customer outcomes, acting as a role model for HSBC values and behaviours.
What You'll Bring:

Essential experience in Retail Credit Risk, with a focus on credit strategy or portfolio management.
Strong technical and analytical skills, with proficiency with SAS, SQL, VBA, or Python, to process large datasets, generate insights and drive decision-making.
Track record in delivering successful cross-functional projects, with strong attention to detail and a structured approach to problem-solving.
A strong understanding of retail credit products and consumer lending regulations (FCA), with experience of applying these in an unsecured consumer lending context.
Excellent communication and stakeholder management skills, with the ability to influence, collaborate and drive action.
A passion for leadership and people development, with the ability to coach, inspire, and motivate a team.
A degree or qualification in an analytical, numerical or technical field, or equivalent practical experience.
What We Offer:

Access to a wide range of learning and development to support your career.
A culture that values collaboration, inclusion and personal growth.
Flexibility and support to help you succeed - wherever your career takes you
A supportive environment where you can make a real impact on how we manage risk and support our customers.This opportunity is a hybrid role based in Birmingham, Chester, Leeds or Sheffield (there is a requirement to attend the office 60% of the time).

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