HSBC Group

Business: CCM COO

Open positions:1

Role Title: Business Credit Officer GSC’s

Global Career Band: 5

Location (Country / City ): India/Bangalore

Recruiter Name : Hariharasudhan G

The Opportunity:

• 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.)
• The BCO function will complete tasks 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 CCM tasks, creating a single control point.
• The BCO Manager provides credit management support to Relationship Managers (RMs) / Coverage and facilitates client review and renewal activities, and is responsible for carrying out customer outreach, research, financial and credit analysis on behalf of the RMs, ensuring exemplary risk management acumen and control standards are embedded within the end-to-end CCM process. In discharging their duties the role holder must ensure a common, reliable, and predictable underwriting and lending process, that protects the business from exposure, whilst responding to clients borrowing needs.  They are also responsible for co-ordination and completion of credit applications or renewals and risk escalation management.  The role holder will report to the BCO Team Lead and will work closely with the Coverage and Transaction Support teams to ensure seamless customer experience and consistency of service for all customers.
• The BCO manager will need to be an effective collaborator and skilled stakeholder manager, successfully navigating complex landscape to deliver exceptional outcomes for our customers and stakeholders.
• The team will also provide a pivotal support system for our aiding in ESG activities throughout the Credit & Capital Management cycle. Additionally, the SAU contributes significantly to the Group's ESG reporting. The unit serves as a crucial instrument enabling the Bank to achieve its net-zero objectives, which include assisting our clients on their transition journeys, enhancing long-term climate risk/portfolio management, and providing timely financing support for our clients

What you’ll do:

Key Responsibilities

• Responsible for the delivery of BCO tasks in line with agreed OKRs, SLAs and KPIs
• Own the end-to-end Credit & Capital Management 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 CCM operating model.
• Participate in deal discussions and meetings with clients or credit risk as required
• Strong execution and implementation ability.
• 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
• 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 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
• Staying abreast of latest guidelines and procedures, FIM and other regional policy guidelines, ensuring necessary guidance is provided to the team.
• Demonstrate high standard of collaborative skills.
• Closely work with the senior management team and Regional Sustainability Champions to drive various activities as part of the Group's transition to Net Zero along with implementing various strategic initiatives across BCO teams.
• Analysis and investigation of Wholesale portfolio exposure for the Thermal Coal Phase Out Policy (TCPOP) applicability (both lending & capital market transactions) and exposure weighting calculations for eligible counterparties, along with assurance support for ARA reporting.
• Analysis and investigation of Wholesale counterparties for policy screening / eligibility across multiple sectors as part of the client onboarding & renewal process.
• Risk assessment of the carbon footprint of the Wholesale lending portfolio, identifying physical and transitional risks.
• Analyze counterparty information for climate-related risk assessments, including emissions reduction plans, physical risks, maturity of transition plans, and transition plan evaluations.
• Perform thorough research and analysis on Wholesale counterparties' data and trends, focusing on greenhouse gas emissions accounting, Net Zero strategies, and Climate Change Risk Management.
• Analysis and validation of industry/sub-sector of the Wholesale portfolio as part of the Climate Aligned Finance sectoral value chain along with assurance support for ARA reporting.

What you will need to succeed in the role:

Knowledge and Experience

• Post Graduation in Management, Finance, Economics, or equivalent such as a Chartered Accountant would be preferred. Candidates with CFA, FRM and other risk management qualifications will be an added advantage.
• Any further certification from NSE (NCFM Modules) on Mutual Funds, Derivatives, Stock Markets, etc.
• Good understanding of ESG and Climate Risk - Understanding ESG policies and their implementation using annual reports, CSR/Sustainability reports and other company filings
• 6+ years relevant corporate lending experience with strong analytical skills and sound credit domain 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 communication and interpersonal skills, Commercial Mindset, with the ability to influence and collaborate effectively across all levels of the organization
• Exceptionally strong problem-solving and communication skills
• Strong interpersonal skills and ability to build and maintain relationships.
• Ability to build connections and work collaboratively across boundaries.
• Highly customer oriented and delivering top quality customer service.

Others

• Manage all elements of Operational Risk which includes aspects related to GCC Compliance, Data Protection, Health and Safety and Audit requirements.
• Foster a culture of compliance amongst the team members as regards Group Compliance Policy.
• Understand and comply with all relevant policies and procedures issued by the Group and contained within the Group Standards Manual and relevant Functional Instruction Manuals and Process Guidelines.
• Maintain high standards of professional conduct and be a role model for the team.
• Maintaining HSBC internal control standards and implementing the Group Compliance Policy, wherever applicable
• Need to be aware of the Operational Risk scenario associated with their role, and to ensure that all actions during their employment with HSBC take account of the likelihood of operational risk occurring.
• Adhering strictly to compliance and operational risk controls in accordance with HSBC and regulatory standards, policies, and practices

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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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