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Business Descriptor:

HSBC Corporate and Institutional Banking is a markets-led, financing-focused business that provides investment and financial solutions. Through our international network, we connect emerging and mature markets, covering key growth areas. We partner with our corporate, government and institutional clients to help them achieve consistent, long-term performance. Our products and services include advisory, financing, prime services, research and analysis, securities services, trading and sales and transaction banking.

Role Purpose:

Credit & Capital Management (CCM) 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 (Relationship Managers) 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.

The BCO Team Lead will be responsible for developing and leading a high performing, client centric BCO team and ensuring exemplary risk management acumen and control standards are embedded within the end-to-end C&L process. In discharging their duties, the role holder must implement a common, reliable, and predictable underwriting and lending process, that protects the business from exposure, whilst responding to clients borrowing needs. The role holder will work closely with the Coverage and Transaction Support teams to ensure seamless customer experience and consistency of service globally.

The BCO team lead will need to be a strategic thinker with an innovation driven mindset, an effective collaborator and skilled stakeholder manager, successfully navigating complex landscape to deliver exceptional outcomes for our customers and stakeholders.

Key Responsibilities

• Responsible for the delivery of BCO tasks in line with agreed OKRs, SLAs and KPIs
• Lead and manage the end-to-end C&L journey, ensuring a seamless and efficient process for customers and internal stakeholders.
• Continuously drive improvement in productivity of the BCO team whilst enhancing client experience.
• Drive adoption of technology/digital and customer experience improvement initiatives, aligning with a global C&L operating model.
• Monitor and analyse customer and stakeholder feedback, identifying key areas of focus to improve customer outcomes.
• Work with the Head of BCO to ensure risks and issues related to C&L are escalated to country, regional and global stakeholders and resolved in a satisfactory manner.
• Drive continuous improvement initiatives across credit analysis activities to deliver a high and consistent standard, including training initiatives across the teams
• Ability to build and maintain strong relationships across the teams, including credibility with both Business and Risk teams.
• Develop and maintain a diverse, innovation-driven BCO team, ensuring high levels of engagement and satisfaction
• Participate in deal discussions and meetings with clients or credit risk as required.
• Protect the Bank by acting as First Line of Defence and observing all controls.
• Identify and anticipate all types of risks (e.g., industry, portfolio, diversification, sovereign, commercial, currency, etc.) and identify micro and macro trends impacting the credit portfolio, working with WCRM and business heads to take appropriate steps in changes to underwriting criteria and conducting rapid portfolio reviews.
• Demonstrates 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 Head of BCO 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

Leadership & Teamwork

• 
  Provide leadership and direction to respective BCO team, fostering a sense of unity and purpose.
• Lead, develop, motivate and inspire a high caliber-BCO team.
• Develop critical skillsets in team members and provide a stimulating work environment to retain key talent.
• Champion the voice of the RM and customer and build a culture of balancing commercial and client/customer outcomes.

Knowledge and Experience

• 
  Bachelor’s degree in business, Finance, or a related field
• Extensive experience in C&L, with a strong background in managing loan portfolios.
• Proven track record in leading and managing teams, with experience in organisational design and strategic planning,
• Strong stakeholder management skills, with the ability to navigate complex situations and drive alignment among senior stakeholders.
• Expertise in credit risk management and control assessment
• Excellent analytical and problem-solving skills, with the ability to articulate customer feedback and distil key areas of focus.
• Proven ability managing in a large and complex operational environment.
• Strong commercial mindset
• Excellent communication and interpersonal skills, with the ability to influence and collaborate effectively across all levels of the organization.
• Working knowledge of operationalising policies and procedures for managing or minimising risk – including credit, operational, regulatory and reputational risk – in accordance with the Group Standards Manual, Risk FIM, relevant guidelines and standards

Others

• Proven collaboration and coaching skills.

Strong relationship management and influencing skills, interpersonal and communication skills with a proven ability to communicate effectively and confidently at all levels.

As an employee, you are required to perform your duties in a professional capacity exercising independent judgement, discretion and decision-making authority in planning, organising, directing work, supervising and appraising the work of team members, as applicable; and taking accountability for delivery outcomes. You will represent the organization with relevant internal and external stakeholders. You will allocate and prioritize work, provide direction and feedback, manage team capacity and leave in line with policy as applicable.

Additional Notes :Familiarity with AI-enabled tools is an advantage.

You’ll achieve more at HSBC.

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.

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Issued by The Hongkong and Shanghai Banking Corporation Limited, India