Job description
Some careers have more impact than others.
If you’re looking for a career where you can make a real impression, join HSBC and discover how valued you’ll be.
HSBC is one of the largest banking and financial services organisations in the world, with operations in 62 countries and territories. We aim to be where the growth is, enabling businesses to thrive and economies to prosper, and, ultimately, helping people to fulfil their hopes and realise their ambitions.
We are currently seeking an experienced professional to join our team in the role of Assistant Vice President – Credit Risk
Principal responsibilities
- To communicate portfolio performance where Automated and Asssited Decisioning (including Scored Lending ) is utilised.
- Review First Line of Defence sampling to ensure AAD is being used correctly and decisions are in line with expectations
- To consult on changes to risk reporting procedures which enable relationship managers to better manage credit risk within their areas of responsibility.
- To continually re-assess the operational risk inherent within Credit Risk, taking account of changing economic or market conditions, legal and regulatory requirements, operating procedures and practices, management restructuring, and the impact of new technology.
- To adhere to, and be able to demonstrate adherence to, internal controls as stated within policy (ref the AAD policy)
- To provide MI and other reports to keep relevant RMMs and other key stakeholders fully appraised of segment performance. Use MI to monitor the efficiency of credit management processes where AAD is utilised
- To continually consider the regulatory requirements within the Small and Medium Enterprise arena
- To monitor failure to correctly follow AAD procedures and report to local line management as appropriate.
- The Automated and Assisted Decisioning Oversight Team interacts as appropriate with all the key stakeholders in respect of automated and assisted decisioning, including the CMB UK leadership team, the CMB Product teams and Commercial FST. In addition, the team works closely with Group Risk Analytics (GRA)
Requisitos
- Academics – University degree in commerce/ economics/ management/ engineering. Preference will be given to the candidates holding MBA-Finance or equivalent/ CA/ ICWA/ CS/ CAIIB/ CFA etc.
- 7+ years of relevant experience in LC/GB/Corporate/SME segment in a reputed Bank/ Financial Institution.
- Past work experience in relevant environment/s, i.e. Commercial Credit Risk & Commercial Banking (CMB)
- A track record of constantly looking for ways to do things better and an excellent understanding of the mechanism necessary to successfully implement change
- Achieved targets and met expectations whilst supporting and encouraging others to do the same
- Both spoken and written communication skills with experience of adapting your style and approach to the audience and message to be delivered
- Contributed productively to team objectives, sometimes supporting and sometimes leading activities to achieve shared goals
- Experience of making prompt and practical business decision, even in times of ambiguity, considering various perspectives and taking responsibility for outcomes
- A flexible and adaptable approach to change and will support others to respond in a similar way
- Experience of effectively using your knowledge of credit products, processes and risks to make fair and informed lending decisions that meet customers' needs
You’ll achieve more at HSBC
HSBC is an equal opportunity employer 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. We encourage applications from all suitably qualified persons irrespective of, but not limited to, their gender or genetic information, sexual orientation, ethnicity, religion, social status, medical care leave requirements, political affiliation, people with disabilities, color, national origin, veteran status, etc., We consider all applications based on merit and suitability to the role.”
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