HSBC Group

Being part of HSBC in Switzerland, you’ll help evolve and grow our business.

The Credit Risk risk team is responsible for the oversight from a second line perspective of an USD 12bn credit book.

The major challenge of the role is to work constructively, but sometimes firmly, with the Credit Advisory team to ensure that the right risk/reward balance is achieved in terms of its credit activities. This requires a certain character and an ability to convince. It also requires the ability to understand complex deals in order to have the informed confidence that will allow the Bank’s credit risk to be managed within set boundaries.

Are you interested ? Do you have strong character and negotiation skills ? Do you enjoy to be part of a cohesive team ?

If you answered yes to any of these questions, we want to hear from you!

What you will do:

• Support the Head of Credit Risk by working autonomously within his/her credit concurrence authorities
• Review and challenge exception requests and constructively suggest solutions that could help the business achieve its goals
• Timely escalate concisely articulated issues that could not be resolved at his/her level
• Attend the Product Oversight Committee as required

In this role you will:

• Evaluate, recommend and approve transactions, exceptions and annual reviews within a personal approval authority and to ensure prudent and well-structured credit proposals that minimise credit losses.
• Enforce credit risk policies and group guidelines through close collaboration with the Credit Advisory team
• Liaise with GPB / HBEU WCRM to seek concurrence for large credit facilities for PBRS and PBRSG
• Perform second  line assurance activities including the spot checks of credit advisory debtor listing/shortfall exception reports for PBRS and PBRSG
• Serve as subject matter expert for advance rates on financial products in PBRS
• Review of the credit policy and support local system implementation

• Strong character and negotiation skills
• Ability to work under pressure and in a context of urgent deadlines
• Good analytical skills
• University degree, preferably in Finance/ Economics
• Solid expertise in Credit/Risk 
• Good understanding of private banking needs for credit products including understanding of various financial instruments and derivatives
• Capacity to work independently on specific tasks
• IT literate, Avaloq knowledge would be a plus
• Excellent understand of English, both written and spoken
• Due to immigration restrictions in Switzerland we will only be able to consider applications from Swiss or EU citizens or from candidates holding a valid Swiss work permit.

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:

• We’ll help you progress your career, including access to development programmes, 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 benefits will give you financial security, and can include:

• Health & meal allowance, public transport or (e-)bike allowance
• Our family-focused benefits can help you to support your loved ones and include: days off for key events (weddings, moving house, adoption). A one-time marriage or registering of a "Civil Partnership" grant. One-time premium for birth or adoption, as "gift" or "voucher. 4 weeks’ paternity leave & 26 weeks’ maternity leave
• Emergency Childcare with the Red Cross, free of charges for HSBC employees.
• Purchased holidays scheme, unpaid leave, sabbatical, Volunteering Leave,
• Accident insurance (private coverage) paid by the Employer, attractive Pension Scheme

We’ll give you a huge range of resources that support your mental, physical and social well-being, including:

• Various sports and leisure activities organised by the employees for the employees.
• The Bank offers to the employees and their family members specialised free, confidential service to help them deal with any personal problems – either at work or at home. Unlimited telephone consultations services available 24/7.
• 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.

HSBC has been certified “Top Employer 2025” in Switzerland. This recognition from the Top Employers Institute rewards our HR practices and recognises HSBC as an HR Leader in Switzerland.

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.

As a business operating in markets all around the world, we believe diversity brings benefits for our customers, our business and our people. This is why HSBC is committed to being an inclusive employer and encourages applications from all suitably qualified applicants irrespective of ethnicity, religion, age, physical or mental disability/long term health condition, marital status, sexual orientation, gender identity, gender expression, genetic information (including characteristics and testing), military and veteran status, and any other characteristic protected by local law in the jurisdictions in which we operate. Within the work place you will have access to various employee resource groups which aim to promote and achieve a healthy work / life balance and support our diversity ambitions. HSBC has in place processes in order to avoid nepotism, which means to avoid creating circumstances in which the appearance or possibility of conflicts of interest may exist within the hiring process.

HSBC is a signatory company of the Advance Charter. This Charter is a commitment towards gender equality in business and hence a workplace environment that supports a fair and balanced approach to hiring, remunerating, promoting and retaining female talent.

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.

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. 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.

Within HSBC in Switzerland all internal candidates from Group and external applicants are required (subject to local laws), to pass satisfactorily a series of additional checks both as part of the application process and, if successfully recruited into the role. The Group reserves its position with regard to any steps which it may take in relation to any material adverse findings which arise either when the checks are first carried out as part of this recruitment exercise, and/or if relevant, on an ongoing basis.

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