HSBC Group

Business: Credit Services, Service Delivery

Open positions: 3

Role Title: Assistant Manager - IC GSC’S

Global Career Band: 7

Location: Bangalore & Kolkata 

Recruiter Name: Chiransha Gupta

Why join us?

To support Business in the spreading the financials in line policies and procedures. The role requires the ability to undertake independently spreading with an in depth understanding of its impact on Rations and CRR, which in turn would impact Bank’s RWA.

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
• Tracking Work requests received for Spreading from Onshore and Offshore Analysts and prioritizing them depending on the urgency of the review dates.
• Reading, understanding and analyzing the financial statements (annual reports) and spreading of financial data using Credit Lens.
• Complete the Financial Summary Chart (FSC) template for the customer based on the spreads.
• Updating the subjective Questions and Merton PD details.
• Generate the Overall Score and the Corresponding Customer Risk Rating (CRR) in Wren in order to enable CRR to be recorded in CARM.
• Generate the requisite set of COR Reports and send it to the requestor.
• Update MI tool regularly on the work completed.
• Pick up adhoc requests on priority.
• Resolve and reply to all queries related to the spreads raised by the Analyst / RM Team.
• Ensure smooth flow of function by maintaining excellent coordination across sites (Blr & Kol).
• Pro-actively suggest and design improvements in process workflow, and record exceptional learning and share it with the team where applicable.
• Adhering strictly to compliance and operational risk controls in accordance with HSBC and regulatory standards, policies and practices; reporting weaknesses, compliance breaches and operational loss events.
• 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 parts of Global Banking & Markets as required.
• 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.
• Acquire exhaustive knowledge on process, procedures and Credit policies and upgrade the knowledge on an ongoing basis.
• Achieve and exceed relevant productivity and accuracy targets within the stipulated time frame in line with the business objectives.
• Value addition to the process / business though process improvement suggestions/ideas
• All data requirements (iCATS, leave requests, absence requests and ad hoc process information) are completed and updated in a timely manner.
• Produce the Required MIS.
• To demonstrate judgmental and critical thinking by providing solutions to assist RM’s/BP with process related queries

What you will need to succeed in the role:

• Degree in Business, Finance, Economics (B.Com / M.Com / MBA / PGDM Finance / ICWA / CA) or equivalent. Ideally should have a recognized accountancy qualification. Additional Financial qualifications would be preferred.
• Good understanding of International Accounting Standards (US GAAP & IFRS), Capital markets and Debt Instruments out of education and/or experience
• 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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