Associate, Portfolio Structuring and Optimisation

If you're looking for a career that will help you stand out, join HSBC, and fulfil your potential - whether you want a career that could take you to the top, or an exciting new direction, we offer opportunities, support and rewards that will take you further.

We're one of the largest banking and financial services organisations in the world, with a network that covers more than 50 countries and territories. We aim to be where the growth is, enabling businesses to thrive and economies to prosper, and, ultimately, helping people fulfil their hopes and realise their ambitions.

We're currently seeking an experienced professional to join our team in the role of Associate, Portfolio Structuring and Optimisation.

This is an exciting opportunity to contribute to the development, implementation, execution and management of synthetic securitisations, and help with non-payment insurance and other forms of risk-sharing agreements. You'll need good understanding of lending products, capital requirements, risk management principles, and securitisation, along with the ability to analyse data, identify opportunities, and mitigate potential risks.

As an HSBC employee in the UK, you'll 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'll:

• Evaluate opportunities for new securitisation transactions, model transaction economics, and present the findings
• Assist in the execution of new securitisation transactions by organising and participating in working groups. Collaborate with internal stakeholders on various projects and transactions
• Improve infrastructure, policies, and procedures to effectively manage and report on existing balance sheet securitisations
• Keep abreast of new regulations affecting Risk-Weighted Assets (RWA) and credit risk mitigation, analysing their impact on operations
• Oversee existing significant risk transfer securitisation transactions, including monitoring portfolio performance, managing portfolio replenishment, calculating cash flows, and coordinating Agreed Upon Procedures with third parties. Document relevant policies and procedures
• Coordinate RWA, Expected Credit Loss (ECL), and other system adjustments with Risk and Finance teams. Manage ESMA reporting in collaboration with Wholesale Credit and Lending
• Address ad hoc queries from both internal and external stakeholders promptly and effectively
• Foster close and effective working relationships across Regions, Countries, Functions, and Global Businesses

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

• A solid understanding of banking regulations, especially around capital treatments and securitisation regulations
• Knowledge around credit risk mitigation techniques (securitisations, credit insurance, credit derivatives) and loan products
• Banking/Structured Finance or Markets background or Credit Portfolio Management experience
• Excellent problem solving, organisational and analytical skills
• Strong quantitative skills, ability to work on or build financial models
• Outstanding written / verbal communication and presentation skills
• Strong interpersonal skills and able to build and maintain global relationships
• Delivery-focused with ability to pay attention to detail and ensure tasks are completed on time and to the required levels of quality

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. Our recruitment processes are accessible to everyone - no matter their gender, ethnicity, disability, religion, sexual orientation, or age.

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.