Job description
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Business Descriptor:
Retail Banking and Wealth Management serves more than 50 million customers worldwide with a complete range of banking and wealth management services to enable them to manage their finances and protect and build their financial futures. It is a global business that brings together management responsibility for Retail Banking, Wealth Management, Insurance and Asset Management with a focus on customer-centric propositions and innovative and efficient distribution channels.
Principal Responsibilities
The job involves to:
- Drive consistent delivery of mortgage targets for defined region as per the annual operating plan
- Drive consistent and balanced delivery of Open market and Self - Sourcing mortgage targets
- Achieve planned revenue growth and product profitability
- Controlling/lowering cost of acquisition within mandated cost guidelines
- Optimizing sourcing mix to focus on profitable segments
- Higher cross-sell (add-ons, balance transfer, insurance)
- Generating higher yields from the new sourced portfolio
- Lowering delinquency/write-offs and losses arising from fraud
- Improving process efficiency e.g. reduction in discrepancies
- Increase the banks distribution capabilities and ensure active participation in marketing activities involving corporate work site events, residential housing societies, mall sourcing etc.
- Managing a healthy approval rate through constant monitoring of sourcing/segment mix and proactive decline management
Requirements
Skills and Abilities:
· Highly effective communicator with excellent interpersonal skill
· Strong leadership and influencing skill
· Excellent relationship building and senior stakeholder management skills
· Strong planning, analytical, decision-making, lateral thinking and project management skills.
· Able to navigate conflicting strategic priorities and decisions
· A result-oriented professional
· Understanding of risk management/ Credit
· Commercial awareness, including economic, cultural, procedural and regulatory issues.
Experience of 10 -15 Yrs in mortgage or related asset product. Of which at least 2-5 Years be in Team Management.
Desired:
· BDM in this role will have natural flair to meet people, participate in events for startup / or for KDMs of important corporates.
· Must be able to fix appointments through social media with Startup founders, Incubators, influencers for enhancement of engagement and relationship onboarding
· Understanding the need of the customer and proving feedback to internal Product and Marketing teams for change / modification of the proposition and alignment to market needs
· Ability to create new engagement models with existing and new customers for deeper penetration of Products and Services
· Ability to navigate the system to get the accounts onboarded seamlessly and activated on time
Education Qualifications / Certifications and Requirements :
· Graduate
A min of 2-3 years’ experience in corporate acquisition and Business Development.
Eligibility Criteria
- India Bank / INM employees will be eligible to apply to this role after completion of 12 months in the current role/position at the time of application on level transfer and/or promotion.
- Entity Employees (not from India Bank) to be guided by their internal policy on tenure completion in current role at the time of application before applying and share line manager approval once shortlisted.
- INM Employees in scope of WPB Career Progression Framework not eligible to apply to roles within the purview of the Framework
Control
All staff are responsible for ensuring the effectiveness of the controls that are in place to manage the risks in the processes and activities that they undertake in their day to day role.
Conduct
Good conduct at HSBC means that we deliver fair outcomes for customers, and do not disrupt the orderly and transparent operation of financial markets. We exist to serve our customers and our approach to conduct helps us ensure that we know and understand them and deliver products and services that meet their genuine needs.
Our conduct framework provides us with a set of outcomes to achieve across everything we do and can be found within the Group’s Global Principles, and on the Conduct SharePoint site together with our Global Conduct Requirements.
Mandatory to successfully complete Anti-Money Laundering and Sanctions training and post-course assessment, as required.
Useful Link
Link to Careers Site: Click HERE
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
Recruiter name
Rasna Pingle
Recruiter email
rasna.pingle@hsbc.co.in