Head of West India GNB, India BCO

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We are currently seeking an experienced professional to join the India BCO team.

Role Purpose

Credit & Capital Management (C&CM) under CIB are in the process of implementing a new, modern, and consistent E2E operating model. A key component of this operating model is the introduction of a first line credit management office, the Business Credit Office (BCO).

The BCO function will complete tasks currently owned by multiple actors including Credit Analysis Unit, Credit Analysts, and RMs in the management of the first line credit risk responsibilities including structuring, credit analysis and rating recommendation, client credit monitoring tasks, credit terms and docs negotiation with WCMR and clients acting as a single handoff from a RM to the BCO for all C&L tasks, creating a single control point. The function will be client facing and customer service orientated.

Principal Responsibilities

• Responsible for the delivery of BCO tasks in line with agreed OKRs, SLAs and KPIs
• Own the end-to-end Credit & Lending servicing journey, ensuring a seamless and efficient process for customers and internal stakeholders
• Combine client relationship management with strong risk assessment and management capabilities ensuring the required credit quality & requisite returns on risk
• Continuously drive improvement in their productivity whilst enhancing client experience.
• Adopt technology and customer experience improvement initiatives, including alignment to a globally consistent C&L operating model and active participation in training initiatives
• Participate in deal discussions and meetings with clients or credit risk or the Regional sector team as required
• Strong execution and implementation ability in line with business priorities set out by the Business.
• Ability to build and maintain strong relationships across the teams, including credibility with both Business, and Risk leaders.
• Protect the Bank by acting as First Line of Defence and adhering to all controls
• Maintain HSBC internal control standards, including timely implementation of internal and external audit recomentations, along with addressing any issues raised by external regulators
• Demonstrate ability to engage in constructive and consistent dialogue with risk partners, in a manner that effectively balances commercial outcomes and risk management
• Work with the BCO Team Lead to ensure adequate credit risk management controls are built into the operational process and robust MI is in place to track and measure risk against agreed thresholds

Role requirements / Educational Qualifications / Certification / Experience:

• Bachelor’s degree in business, Finance or a related field
• 5- 15 years corporate lending experience with strong analytical skills and sound credit knowledge
• Strong understanding of various financing instruments and banking products for Wholesale Banking
• Strong stakeholder management skills, with the ability to navigate complex situations and drive alignment among senior leaders
• Clear understanding of the Group credit risk principles, policies and statutory compliances
• Strong commercial mindset
• Strong communication and interpersonal skills, with the ability to influence and collaborate effectively across all levels of the organization

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Issued by The Hongkong and Shanghai Banking Corporation Limited, India