HSBC Group

At HSBC, we’re a trusted international organization with a global customer base of around 39 million customers worldwide through a network that covers 62 countries and territories. In Europe, our ambition is to become the leading international wholesale bank and we need talent like you to help us meet our ambition. Whether you want a career that could take you to the top or in an exciting new direction—we offer opportunities, support and rewards that will take you further. 

HSBC has been certified as “Top Employer 2024” in Europe!

This recognition from the “Top Employers Institute” acknowledges our outstanding HR practices and recognizes HSBC as HR leaders in France, Germany, Italy, Luxembourg, Poland, and Spain.” Come visit our career website to know more!

Here in France, you’ll help evolve and grow our business. 

What you’re going to do:

The Regional Head of C&L Services is responsible for overseeing and leading Wholesale Credit & Lending products, processes, services & risks across their region. The role covers both CMB & GB and the role holder will need to interact with both businesses with a view to ensuring separate Global business needs are met through an aligned and consistent Wholesale service offering. 

Over and above day to day management, the role holder will be responsible for landing C&L transformation initiatives within their organisation. The role holder is expected to foster a culture of continuous improvement, lead the department with ambition and maintain the highest standards of operational excellence and risk management whilst delivering sustainable infrastructure changes that are aimed at significant transformation of the Credit & Lending experience for our customers, colleagues, and regulators.

They will be responsible for:

• Ensuring C&L OKRs are achieved for their respective region.
• Leading regional delivery of credit and lending services end to end.
• Providing oversight to outsourced credit & lending services.
• Landing an ambitious multi-year transformation journey within their region.
• Implementing the Target C&L Services Operating Model.
• Leading risk and control management across the end-to-end process.
• Deputise the regional WCOO and ensuring all requirement with respect to C&L Important Business Services (Business Service Owner / SOX obligations etc.) are appropriately discharged.
• Supporting the CMB & GB businesses with developing and operationalising new product via a digital credit & lending journey.

The role holder will need to display leadership and work with multiple senior stakeholders with varied and sometimes conflicting agendas, and to pull together a somewhat dislocated set of smaller teams looking for direction and a united purpose.

Governance and Committee Memberships (membership of ExCos, Risk Management Meeting) 
BSO Governance Forums, Regional forums, VS RTB Forums, VS CTB Forums
Principal Accountabilities and Responsibilities (e.g., for Business, Customers and Stakeholders; internal control environment, etc.)

• Delivery credit & lending OKRs across their region.
• Manage C&L FRP, budgeting and planning processes.
• Lead and manage the delivery of credit and lending services, ensuring all service and performance measures are hit.
• Land regionally the transformation and digitization of the C&L journey and lead local initiatives to improve and re-engineer processes.
• Monitor and analyse customer feedback, identifying key areas of focus to significantly improve customer outcomes.
• Align with global strategy and direction: collaborate with global stakeholders, including technology, DBS, WCR, the global business Coverage teams, digital channels and products to set the overall strategy and direction for the wholesale credit and lending journey in the Region and beyond.
• Establish and lead governance frameworks to ensure risks and issues related to the Credit & Lending journey are escalated to country, regional, and global stakeholders and resolved in a satisfactory manner. Oversee the management of financial and Non-financial risks pertaining to the WCL production in partnership with Regional NM/Business Risk.
• Act as the Regional Business Service Owner for Credit & Lending across CMB & GB, ensuring service resilience. Be the Global End-to-End process owner for Credit & Lending on behalf of the CMB & GBM Global Businesses. Ensure risk and control management across the end-to-end controls, meeting all SOX obligations.
• Own the OKR, KPI and SLA management framework, maintaining service management oversight pertaining to both operational and control performance across all WCL CTB & RTB services end-to-end.
• Work with technology and transformation teams to define the overall technology strategy for WCL, reduce legacy technologies, and drive a culture of innovation by developing cutting-edge automation, capability, and business solutions leveraging next-gen technologies, Al, and analytics.
• Represent C&L Services in front of regional stakeholders and at regional fora.
• Unify and provide direction to a dislocated set of smaller teams, fostering a sense of unity and purpose and embed the Target C&L services operating model.
• Develop and maintain a diverse, innovation-driven credit and lending workforce, ensuring high levels of engagement and satisfaction.

Apply if you feel you match these skills:    

• Minimum of 10 years of experience in wholesale credit and lending, with a strong background in coverage, credit management or operations.
• Proven track record of leading and managing teams, with experience in organizational design and strategic planning.
• Business-minded leader with strong stakeholder management skills, with the ability to navigate complex situations and drive alignment among senior leaders.
• Expertise in credit risk management, control assessment, and SOX compliance.
• Experience in driving digitization and customer experience improvement initiatives.
• Excellent analytical and problem-solving skills, with the ability to consume large volumes of customer feedback and distil key areas of focus.
• Strong communication and interpersonal skills with the ability to influence and collaborate effectively across all levels of the organisation.
• Great team player with a positive attitude, energy and enthusiasm.
• Promote a collective culture to spread experience and best practice and live the Group Values.
• Ensures all relevant employees are included in valuable, strong, two-way communications.
• Interacts with control owners, CCO, CIO, Third Party Engagement Managers, BCIM and Risk Stewards are provided to understand the entirety of the service.
• Interacts with GBGF and Portfolio Leadership including the VS Technology Lead.
• Works with their Markets counterparts to understand local nuances and drive timely capture of changes.
• Give timely, honest and constructive feedback to others.
• Promotes innovative and lateral thinking approach for devising solutions.
• Provides peer coaching to help colleagues develop system and process knowledge.
• Bring thought leadership and governance around the internal and external lending ecosystem.
• Deliver fair outcome for our customers and ensure own conduct maintains the orderly and transparent operation of financial markets.
• Willingness to own work and problems and see through to completion and to use own initiative to resolve issues, whilst dealing with a diverse range of people.
• Well-developed financial and analytical skills with capacity to process high volumes of complex information, synthesise key themes and make valid recommendations.
• Highly effective communication skills (oral, written and presentational).
• Ability to work accurately and achieve tight deadlines with limited supervision.
• Ability to work with minimal supervision and to contribute to a larger team; and a flexible approach to working hours and responsibilities. 
• Self-motivation, and a proven rapid learning capability in a changing environment are essential.
• Drive and tenacity to ensure change is effectively implemented in a matrix environment.
• Committed to personal and professional development.   
• Able to work independently, proactively and under pressure against multiple deadlines.

Even if you feel you do not fit 100% of our qualifications, we encourage you to not let this hold you back from applying if you believe this is the role for you.

What you’ll get in return:

• We’ll help you progress your career, including access to development programs, mentoring and coaching, as well as world-class training through HSBC University.
• You can work your way and will have a say in when, where and how you and your team flexibly work together.
• Our flexible benefits will give you financial security, including employer-funded pension, Holiday vouchers based on your reference tax income. Our family-focused benefits can help you to support your loved ones, including partial reimbursement of childcare costs, allowance for parents of children with disabilities, days off for key events (weddings, moving house),
• We’ll give you a huge range of resources that support your mental, physical and social well-being, including free access to Headspace app, health checks, 5 weeks paid vacation.
• You’ll have opportunities to work internationally - this can be your place to start and branch out to anywhere we have offices.
• You’ll be able to join our Employee Resource Groups that bring together colleagues with shared characteristics and common interests.