Secured Risk Officer - IWPB (UAE National)

Overview

The Role

Key Accountabilities

Mortgage Lending Risk

• 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.

Wealth Lending Risk

• 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.

Cimate Risk

• Support collection, validation, and reporting of climate-related portfolio metrics.
• Assist in preparing climate risk submissions for regulators, internal committees, and sustainability reporting requirements.

Others

• 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.
• Support preparation of committee papers, risk appetite reports, and governance materials.
• Support periodic policy reviews and gap assessments against industry best practices.
• Assist in documenting risk decisions, exceptions, and portfolio management actions.
• Adheres strictly to all compliance and operational risk controls in accordance with HSBC’s and regulatory standards, policies and practices.
• In order to apply for this role, you will have the following:
• Bachelor’s degree in Finance, Economics, Accounting, Statistics, Risk Management, Banking, or related discipline. This is required in order to obtain a UAE work permit.
• 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 Power point.
• 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.
• For further details and application information please visit our careers site.
• We support our staff to adopt flexible and alternative ways of working where possible, including working from home and different hours subject to approvals.
• HSBC is committed to building a culture where all employees are valued, respected and opinions count.
• We take pride in providing a workplace that fosters continuous professional development, flexible working, and opportunities to grow within an inclusive and diverse environment.
• Personal data held by the Bank relating to employment applications will be used in accordance with our Privacy Statement, which is available on our website.