HSBC Group

At HSBC, our purpose is opening up a world of opportunity and by joining our team, you can be part of something bigger! We are committed to removing barriers and ensuring careers at HSBC are inclusive and accessible. 

Here in France, you’ll help evolve and grow our business. Global Trade Solutions (GTS) comprises over 4,500 people across more than 60 countries, helping suppliers and buyers with their export and import finance needs. GTS is a key strategic business for the HSBC Group and is recognised as a leading trade provider both globally and regionally. 

Are you curious, organised and solution oriented? Do you have a true interest for trade and receivable finance? Do you enjoy working in a team and in an international and fast-paced environment? If you answered yes to any of these questions, we want to hear from you!

We are currently seeking an experienced individual to join this team in the role of Transaction Risk Senior Manager.

What you will do: 

The Transaction Risk Senior Manager role is based within Global Trade Solutions (GTS) / Transaction Risk Management (TRM). The Transaction Risk Senior Manager is responsible for the effective identification, assessment, ongoing management, monitoring and mitigation of existing transaction risk for Commercial clients. The role is responsible for managing the overall risk within the Receivable Finance (RF) portfolio in Continental Europe, and more specifically Germany, including but not limited to credit, operational, collateral and fraud.

In this role you will:

• Monitor portfolio trends including sectors, positions of concern, delinquent positions and non-recourse structures, ensuring alignment within risk appetite and taking appropriate action to mitigate loss including reviewing information at individual seller and portfolio level to identify anomalies and trends
• Produce portfolio risk reportings, participate in the preparation of the decks for RF and GTS risk meetings and reports for regulators
• Manage underwriting of new credit opportunities and renewals including submission of  appropriate recommendation to Wholesale Credit Risk
• Manage the analysis and management of buyer credit risk and related Trade Credit Insurances policies
• Review the the seller’s ability to comply with undertaking and reporting requirements, ensuring that risk identified as a result of survey work is mitigated and, in collaboration with the deal team, appropriate structure and subsequent risk mitigation is implemented
• Work closely with GTS Client Management and Sales teams in Continental Europe and across the GTS and broader Risk function community including Regional & Global GTS Product Risk functions and Wholesale Credit Risk
• Communicate and adhere to HSBC policy and procedures in order to ensure good operational, financial and project management, as well as early identification and effective resolution or escalation of issues that arise, taking required action in relation to points raised by audit and/or external regulators
• Participate in various cross functional projects of the Bank in line with TRM risk monitoring function
• Develop and recommend changes and improvements to operating models, procedures and practices based on subject matter expertise and understanding of HSBC and market best practice
• Contribute to team development, effectiveness and success by sharing knowledge and good practice, working collaboratively with others to create a productive, diverse and supportive working environment 

You should apply if you have: 

• Receivables Finance or Trade Finance experience
• Relationship Management and/or Risk experience
• Excellent stakeholder management skills
• Understanding of the regulatory frameworks and compliance requirements
• Ability to understand and interpret financial information/analysis
• Basic understanding of Europe Insolvency Law
• Fluent in both spoken and written French and English languages (German skills would be a plus)

Even if you feel you do not meet 100% of our qualifications, we encourage you to apply, if you believe this role is right for you.
 
What you’ll get in return:

Not only is HSBC a great place to work, but we also offer the following unique and exciting opportunities and benefits!

HSBC has been certified “Top Employer 2024” in Europe. This recognition from the Top Employers Institute rewards our HR practices and recognises HSBC as an HR Leader in France, Germany, Italy, Luxembourg, Poland and Spain. HSBC in France has been certified with LinkedIn Top Employer 2024 for Finance, recognising our team as a great place to work within the Finance industry.

A unique and flexible working environment:

• Advantageous remote working agreement
• Diversity and Inclusion is at the heart of our business: joining HSBC will give you the opportunity to work in a collegiate and supportive environment
• You’ll be able to join our Employee Resource Groups that bring together colleagues with shared characteristics and common interests
• Usual local benefits (refund of transport fees at 50%, 5 weeks of paid vacation + RTT)
• Family events days off, additional maternity or breastfeeding leave, advantageous paternity leave, parental presence or dependency support leave (for child or parent with disability)
• A Time Savings Account to monetize your untaken off days (CET)

Family benefits:

• Partial reimbursement of childcare costs
• Various bonus (birth bonus, back-to-school bonus for your children up to 25, parental bonus)
• An allowance for parents of children with disabilities
• Possibility to work part-time

Financial benefits:

• A company savings plan and a savings plan for collective retirement
• Meal voucher card or corporate restaurant depending on your place of employment
• Mutual insurance for you and your family, and a pension contract to protect your loved ones
• A loyalty bonus and a long-service medal rewarding seniority
• Holiday vouchers based on your reference tax income
• CESUs (for tax purposes) if you are disabled or if you have a disabled child, spouse or parent
• A Work Council which offers, among other things, ticketing, travel, sports, legal aid, etc.

Personal development benefits:

• Access to our Degreed platform (learning platform above all, that you can use to discover learning content, develop skills, and successfully meet new business challenges)
• We’ll help you progress your career, including access to development programmes, mentoring and coaching, as well as world-class training through HSBC University
• We’ll give you access to resources that support your mental, physical, and social well-being

Being open to different points of view is important for our business and the communities we serve. At HSBC, we’re dedicated to creating diverse and inclusive workplaces - no matter their gender, ethnicity, disability, religion, sexual orientation, or age. We are committed to removing barriers and ensuring careers at HSBC are inclusive and accessible for everyone to be at their best.
 
If you have a need that requires accommodations or changes during the recruitment process, please let us know.

Personal data held by the Bank relating to employment applications will be used in accordance with our Privacy Statement, which is available on our website.

For further information on building your career at HSBC, please visit: www.hsbc.com/careers