Job description

The health and safety of our employees and candidates is very important to us. Due to the current situation related to the Novel Coronavirus (COVID-19), we’re leveraging our digital capabilities to ensure we can continue to recruit top talent at HSBC. As your application progresses, you may be asked to use one of our digital tools to help you through your recruitment journey. If so, one of our Resourcing colleagues will explain how our video-interviewing technology will be used throughout the recruitment process and will be on hand to answer any questions you might have.


Some careers open more doors than others. 

If you’re looking for a career that will unlock new opportunities, join HSBC and experience the possibilities. Whether you want a career that could take you to the top, or simply take you in an exciting new direction, HSBC offers opportunities, support and rewards that will take you further

Digital Business Service (DBS) is a pivotal part of the Group, providing essential operational and technical support to our global businesses and helping improve customer service and efficiency. DBS combines global expertise and technology to help keep us ahead of the competition.

Global Operations

Within DBS, Global Operations is a leader in the development of services and processes that are designed around the customer and enable the firm to demonstrate to regulators that its processes and ways of working will deliver consistently high standards of compliance. Every day, customers all over the world are paying bills, buying homes and setting up companies and every day, Global Operations teams are making sure all this happens smoothly.

INM Collateral Management

The Collateral Management team manages the end to end processing of collateral Perfection, Maintenance & Release for our Retail Customers supported by WPB and is located at Chennai. The purpose of the team is to provide effective delivery of collateral management services of Collateral Perfection, Maintenance and Release for Mortgages.

Under Retail Mortgages, the team handles all Mitigant maintenance activities for existing mortgage customers following the completion of initial Mitigant perfection and tracking and receipt of title documents provided by the borrowing customers to ensure updation of the completion status of title documentation.

The Mitigant for Retail Mortgage is typically mortgage of residential properties. The team will ensure "Good Title" to any property being taken as Security is established in accordance with Local Legal practices and the guidance provided by the empanelled lawyers and internal guidance. The activities include receipt of the title documentation for Mitigant perfection, checking documentation for completeness, liaising with lawyer to act on behalf of the bank in the mortgage transaction, and send copies of documentation if required, monitor and follow up for receipt of title documentation and check completeness, send title documentation to secure storage (either in-house or third party) until maturity of the mortgage and / or loan is paid off.

The team’s services include all Mitigant Release activities for existing mortgage customer loans. The team shall check reliance of the Mitigant to secure other facilities. Release the Mitigant as appropriate to customer.

We are currently seeking an experienced professional to join the INM Collateral Management team.

Principal Responsibilities

Responsibilities include:


  • Ensure the highest levels of service both internal and external customers, and with a objective of protecting the interests of the bank at all times
  • Checking of the security documents and carrying out changes in internal systems, etc. based on review / completion of necessary documentation; while ensuring adherence to internal processes.
  • Ensure Security Perfection, Maintenance and Release in line with the processes and policies of the bank.
  • Agreed upon SLAs to be met and monitored at regular intervals.
  • Improve turnaround times and reduce costs and error rates.
  • Ensure compliance with regulatory and internal guidelines.
  • To ensure proper Housekeeping.
  • Process daily request for Mortgage collateral received various channels and provide appropriate resolution.
  • Investigate on customer complaints and provide appropriate resolution to meet customer needs.
  • Address queries/ clarification received from branches / Business partner & other stakeholder by providing timely & accurate revert.
  • Work on daily / weekly / Monthly MIS on critical activity managed and share them with key stakeholder as and when required.
  • Interact with Vendor for daily retrieval / archival of property documents and ensure the re-archival timelines are never breached.
  • Identify areas of improvement within the Operations unit & suggest changes in design / re-engineer processes and implement the same in consultation with the line of operations.
  • Maintain key operation metric like OOE / PA and capture daily volume processed through on designated system.
  • Understand and conceptualize process flows for all activities managed in the team.
  • Analytical thinking and attention to detail is necessary for the constant improvement of workflows and procedures to improve service standards.

Customers / Stakeholders

  • Effective Relationship management with stakeholders and staff internally to ensure effective service delivery.
  • Continuous engagement with stakeholders on evolving business and functional requirements to work towards improvement in line with group priorities.
  • Establishing an effective and robust communication channel with multiple stakeholders to ensure timely flow of information and continuous feedback mechanism

Leadership & Teamwork

  • Create an environment where skills and knowledge are openly shared to achieve team and business goals.  Provide guidance on referred/technical issues in a constructive manner.
  • Show respect for all and encouraging others to do the same.
  • Develop and maintains effective working relationship with peers, the wider management team and other business areas.
  • Analyze business trends, establish volume forecasting and plan for effective capacity management
  • Manage work for quality and ensure compliance with audit requirements
  • Building positive and professional relationships with Business Partners and colleague in other areas.

Management of Risk

  • The jobholder will ensure the fair treatment of our customers is at the heart of everything we do, both personally and as an organisation.
  • The jobholder will also continually reassess the operational risks associated with the role and inherent in the business, taking account of changing economic or market conditions, legal and regulatory requirements, operating procedures and practices, management restructurings, and the impact of new technology.
  • This will be achieved by ensuring all actions taken on account of the likelihood of operational risk occurring. Also by addressing any areas of concern in conjunction with entity management and/or the appropriate department.
  • Contribute to the continuous improvement in process quality and delivery in support of the Group Strategy.
  • Ensure all processes, services and activities are guided and support HSBC and Group Strategy and purpose.


  • Knowledge on collateral document by way of (i)Physical file management and storage, (2) Follow up for Post Disbursal Documentation, (3) Document vendor Management.
  • Expertise in understanding legal term related to mortgages & property documents.
  • Sound Analytical skills
  • Experience of building and maintaining strong relations with the Business Units
  • Excellent decision making skills
  • Strong organization and planning skills along with the ability to handle capacities
  • Strong understanding of Group and GR Operational Risk Framework
  • Proven experience of identifying and implementing ideas to improve efficiency and customer service.
  • Excellent Communication Skills – Written and Verbal.
  • Minimum Graduation or as required for the role, whichever is higher

Useful Link

Link to Careers Site: Click HERE 

You’ll achieve more when you join 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