Secured Risk Officer - IWPB (UAE National)
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Key skills for this role
About the Role
HSBC is hiring a Secured Risk Officer to support secured lending portfolios through oversight, monitoring, analysis, and governance. The role requires a Bachelor's degree in Finance or related field and 1-3 years of experience in retail banking or credit risk.
Key Skills for This Role
Responsibilities
- Support ongoing monitoring of mortgage portfolio performance, including delinquency trends, vintage analysis, LTV movements, DBR trends, and concentration risks
- Support portfolio analytics to identify emerging risk trends, geographic concentrations, property market risks, and customer vulnerabilities
- Support policy reviews and updates in line with regulatory requirements and market developments
- Assist in post implementation reviews of underwriting policy changes and risk appetite adjustments
- Monitor risk exposures arising from Lombard lending, securities backed financing, margin facilities, and other wealth lending products
- Track collateral quality, concentration risks, margin utilization, and collateral shortfall trends
- Support collection, validation, and reporting of climate related portfolio metrics
- Assist in preparing climate risk submissions for regulators, internal committees, and sustainability reporting requirements
- Work closely with Business, Credit Underwriting, Compliance, Collections, Wealth Management, and Data Analytics teams
- Support responses to internal audit, regulatory reviews, and external audit requests
- Participate in cross functional projects related to lending products, risk frameworks, and regulatory initiatives
- Assist in drafting and maintaining credit policies, underwriting standards, and portfolio management procedures
Requirements
- Bachelor’s degree in Finance, Economics, Accounting, Statistics, Risk Management, Banking, or related discipline
- 1–3 years of experience in retail banking, credit risk, portfolio management, risk analytics, or related functions
- Exposure to mortgage lending, wealth management, or risk reporting is desirable
- Understanding UAE banking regulations and retail lending practices is advantageous
- Strong analytical and quantitative skills
- Advanced proficiency in Microsoft Excel and PowerPoint
- Ability to interpret portfolio performance metrics and risk indicators
- Understanding of secured lending products and collateral based financing
- Familiarity with climate risk concepts, ESG principles, and sustainability frameworks is desirable
Full Job Posting
The Role
- In this role you will be required to support the Secured lending portfolios through oversight, monitoring, analysis, and governance that we would include residential mortgages, wealth lending facilities, and climate risk related activities.
- The role will assist in portfolio risk management, policy implementation, regulatory compliance, management reporting, and risk analytics to ensure sound credit risk practices and sustainable portfolio growth.
Key Accountabilities
- Support ongoing monitoring of mortgage portfolio performance, including delinquency trends, vintage analysis, loan to value (LTV) movements, debt burden ratio (DBR) trends, and any concentration risks.
- Support portfolio analytics to identify emerging risk trends, geographic concentrations, property market risks, and customer vulnerabilities.
- Support policy reviews and updates in line with regulatory requirements and market developments.
- Assist in post implementation reviews of underwriting policy changes and risk appetite adjustments.
- Stay abreast with market developments, changes and sentiments.
- Monitor risk exposures arising from Lombard lending, securities backed financing, margin facilities, and other wealth lending products.
- Track collateral quality, concentration risks, margin utilization, and collateral shortfall trends.
- Support collection, validation, and reporting of climate related portfolio metrics.
- Assist in preparing climate risk submissions for regulators, internal committees, and sustainability reporting requirements.
- Work closely with Business, Credit Underwriting, Compliance, Collections, Wealth Management, and Data Analytics teams.
- Support responses to internal audit, regulatory reviews, and external audit requests.
- Participate in cross functional projects related to lending products, risk frameworks, and regulatory initiatives.
Qualifications
- Bachelor’s degree in Finance, Economics, Accounting, Statistics, Risk Management, Banking, or related discipline.
- 1–3 years of experience in retail banking, credit risk, portfolio management, risk analytics, or related functions.
- Exposure to mortgage lending, wealth management, or risk reporting is desirable.
- Understanding UAE banking regulations and retail lending practices is advantageous.
- Strong analytical and quantitative skills.
- Advanced proficiency in Microsoft Excel and PowerPoint.
- Ability to interpret portfolio performance metrics and risk indicators.
- Understanding of secured lending products and collateral based financing.
- Familiarity with climate risk concepts, ESG principles, and sustainability frameworks is desirable.
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