HSBC Group

Business: Credit Services, Service Delivery

Open positions: 16

Role Title: Assistant Manager - IC GSC’S

Global Career Band: 7

Location: Bangalore

Recruiter Name: Chiransha Gupta

Why join us?

To support the Credit Analysts in the preparation of CARM for Corporate credit applications in line with the information collected/provided by the onshore analyst team. This includes creation of credit applications for annual reviews, interim reviews, new requests and other reviews. The role requires the ability to undertake all preparation work (excluding “remark” writing) for credit applications using the CARM systems in a timely and accurate manner.

What you’ll do:

Impact on the Business

• Flawlessly execute Credit Policy
• Flawlessly execute Credit & Risk CMB operational processes
• Meet or exceed productivity and quality standards set
• Provide feedback on any process or task related issues, customer or business feedback to the leader
• Look for cost reduction opportunities in all that we do.

Typical KPI and Targets

• Productivity
• Quality
• Operational loss

Customers / Stakeholders

• Partner with business to improve performance, support new initiatives and meet requirements Support new business or performance improvement initiatives
• Support achievement of business SLA's
• Provide feedback to improve overall customer experience, utilizing voice of customer, quality data and process improvement initiatives

Typical KPI and Targets

• PLA target
• Complaints & Commendations

Leadership & Teamwork

• Follow Manager’s direction, provide support and ensure two-way communication
• Achieve development plan including completing training courses
• Contribute to improving employee engagement and treat others with respect.

Typical KPI and Targets

• Support to Manager’s job assignment
• Completion of mandatory training courses / e-learning, soft skills training etc
• Support and participate in team’s / group’s activities.

Operational Effectiveness & Control

• Support a culture of Ops Risk and control awareness. Ensure that all actions take account of the likelihood of operational risk.
• Continuously manage operational risk, including its identification, assessment, mitigation and controls, loss identification and reporting in accordance with the Operational Risk Management Framework
• Processes are regularly reviewed to identify improvements, which will enhance operational and financial effectiveness, Ensuring compliance with all Bank documentation requirements and time frames
• To continually reassess the operational risks 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.
• Achieve satisfactory audit results
• Support BCP requirements.

Typical KPI and Targets

• IC/Audit findings
• Support to BCP arrangement

Compliance

• Adhere to all the audit requirements including but not limited to: Declaration of Secrecy / Data Protection Act / Health Safety and Security / Clear Desk Policy / Other Process Specific Audit requirements / Compliance issues / requirements and Undertake process specific checks, where ever applicable
• Adhere to Business area prescribed Online Modular Training & GR prescribed Modular Training
• To ensure compliance with all relevant laws, rules and codes with which the business has to comply

Typical KPI and Targets

• IC/Audit findings
• Completion of mandatory training course

Undertake preparation work for all Pre & Post Approval activities in an accurate and timely manner. This will include:

• Process on instructions received by the Relationship Manger on core banking tool, for activities like General Maintenance, Facility Limit Loading, Loans/drawdowns, Security checking and collateral maintenance.
• Process CARM applications involving completion of applications for annual reviews, New Requests, Annual review extensions, Amendments, Reductions and Cancellations.
• Clear understanding on the different types of collaterals involved in the credit and lending journey. 
• Understanding on the end to end credit life cycle.
• Proactive liaison with RM’s, LoB Team and other departments within the Bank.
• To perform approver and checker’s role in accordance to the assigned level of approval.
• Ensure that the Quality levels are achieved as per the standards and targets set forth for the process.
• To identify error for the executives and ensure the items are corrected as per procedures.
• To assist Team Leader (TL) on validation of external errors and ensuring the feedback forms are acknowledged by the staff. Process Checker will also needs to coordinate and conduct Quality Checking as per process requirement.
• To assist TL in monitoring volume of items to be completed for ensuring adherence to PLA and prepare team capacity planning while fully utilizing the available resources.
• Be able to generate, understand and also interpret MI reports for business partners and GSC management.
• Process Checker can also be accredited as Process Specialist. Who may have the responsibility to conduct classroom/ personal training, preparing training material and hands-on training for new user or conducting refresher classes should there is a need to conduct one. Process Specialist may need to handle escalation case/ call from internal/external customers and assist in resolution of procedural queries.
• Assist TL to conduct call monitoring and provide coaching if necessary.
• Ensure the efficient and effective administration of loan disbursements, rollovers, repayments and etc.
• Examine interest rates/margins quoted for loans drawn down; check on rollover dates; and closely monitor repayment of loan principals and interests; ensure all loans-related fees are collected 
• Verify that loan transactions, vouchers and payment transfers are within the limits and processed correctly.
• Provide timely and accurate reports/MI
• Review of work processes and feedback to improve productivity will be of value-add to the team.
• To prepare the necessary MI
• Knowledge on Facility Offer Letter is desirable.
• Ensure that all work is delivered within agreed timeframes and meets the required high quality standard.
• Understand and comply with all relevant policies and procedures issued by the Group.
• Communicate clearly with team members and other stake holders.
• Maintain HSBC internal control standards, including timely implementation of internal and external audit points together with issues raised by external regulators.
• Need to implement the Group Compliance Policy, as applicable to their role.
• 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. 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

What you will need to succeed in the role:

• Minimum Degree in Commerce, Business, Economics or equivalent or Additional Financial qualification would be an advantage.
• Highly proficient at Excel and Word. Database skills are an advantage. Ability to learn new systems quickly necessary.
• Excellent English, written and spoken; hard-working; organized; diligent; and above all, a team player.
• Highly customer oriented and interested in providing top quality customer service

What additional skills will be good to have?

• Credit skills and a detailed understanding of bank credit and risk policy and procedures
• Good understanding of the Financial Ratios and what impacts them.

Link to Candidate User Guide:

https://hsbchrdirect.service-now.com/nav_to.do?uri=%2Fhrsp%3Fid%3Dkb_article_preview%26sys_id%3D0c6b11641b6a9810cec0553a2d4bcb2a

(Or)

Go to the below link and type “IND GSC : IJP Applicant User Guide” in search bar.

https://hsbchrdirect.service-now.com/hrsp?id=hrdirect_employee_dashboard

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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