AVP, BCO CoE Greater Bengaluru, India Area

Job title: AVP, BCO CoE

Credit & Capital Management (CCM) team under CIB are implementing a new, modern, and consistent E2E operating model, of which a key component is the introduction of a first line credit management office (the Business Credit Office.) The BCO function will complete tasks including structuring, credit analysis and rating recommendation, client credit monitoring tasks, credit terms and docs negotiation with WCMR and clients acting as a single handoff from a RM to the BCO for all CCM tasks, creating a single control point.

The BCO SME provides credit management support to Relationship Managers (RMs) / Coverage and facilitates client review and renewal activities, and is responsible for carrying out customer outreach, research, financial and credit analysis on behalf of the RMs, ensuring exemplary risk management acumen and control standards are embedded within the end-to-end CCM process. In discharging their duties, the role holder must ensure a common, reliable, and predictable underwriting and lending process, that protects the business from exposure, whilst responding to clients borrowing needs. They are also responsible for co-ordination and completion of credit applications or renewals and risk escalation management. The role holder will report to the BCO Lead and will work closely with the Coverage and Transaction Support teams to ensure seamless customer experience and consistency of service for all customers.

The BCO will need to be an effective collaborator and skilled stakeholder manager, successfully navigating complex landscape to deliver exceptional outcomes for our customers and stakeholders.

The team will also provide a pivotal support system for our aiding in ESG activities throughout the Credit & Capital Management cycle. Additionally, the SAU contributes significantly to the Group's ESG reporting. The unit serves as a crucial instrument enabling the Bank to achieve its net-zero objectives, which include assisting our clients on their transition journeys, enhancing long-term climate risk/portfolio management, and providing timely financing support for our clients

In this role, you will:

Principal Accountabilities and Responsibilities (e.g., for Business, Customers and Stakeholders; internal control environment, etc.)

Responsible for the delivery of BCO tasks in line with agreed OKRs, SLAs and KPIs

Own the end-to-end Credit & Capital Management servicing journey, ensuring a seamless and efficient process for customers and internal stakeholders

Combine client relationship management with strong risk assessment and management capabilities ensuring the required credit quality & requisite returns on risk

Continuously drive improvement in their productivity whilst enhancing client experience.

Adopt technology and customer experience improvement initiatives, including alignment to a globally consistent CCM operating model.

Participate in deal discussions and meetings with clients or credit risk as required

Strong execution and implementation ability.

Ability to build and maintain strong relationships across the teams, including credibility with both Business and Risk leaders.

Protect the Bank by acting as First Line of Defence and adhering to all controls

Maintain HSBC internal control standards, including timely implementation of internal and external audit recomentations, along with addressing any issues raised by external regulators

Demonstrates ability to engage in constructive and consistent dialogue with risk partners, in a manner that effectively balances commercial outcomes and risk management

Work with the BCO Lead to ensure adequate credit risk management controls are built into the operational process and robust MI is in place to track and measure risk against agreed thresholds

Staying abreast of latest guidelines and procedures, FIM and other regional policy guidelines, ensuring necessary guidance is provided to the team.

Demonstrate high standard of collaborative skills.

Undertake high quality industry, competitor and client level financial analysis; climate related risk assessment of the carbon footprint of the lending portfolio including policy applicability, identifying physical and transitional risks

Analysis and investigation of portfolio exposure for Financed Emissions reporting, including Thermal Coal (TC) and exposure weighting calculations for eligible counterparties, along with assurance support for ARA reporting.

Coach team members for development and sustain a highly motivated and skilled team to meet business needs.

Actively participate along with the team to ensure productivity and quality are maintained and continuously improved.

Sustain good communication with the team members and with the wider organization across locations.

Allocate work to ensure optimization of both output and quality.

Sustain the motivation levels of the team in core responsibilities and in the wider GCC and CSR activities.

Leadership & Teamwork

To be successful you will:

Knowledge and Experience

Post Graduation in Management /Finance/ Economics, or equivalent such as a Chartered Accountant CFA, FRM or equivalent or as per local market conditions.

Capital markets certifications in Mutual Funds, Derivatives, Stock Markets, etc. would be an added advantage.

Good understanding of ESG and Climate Risk - Understanding ESG policies and their implementation using annual reports, CSR/Sustainability reports and other company filings

6+ years relevant corporate lending experience with strong analytical skills and sound credit domain knowledge

Strong understanding of various financing instruments and banking products for Wholesale Banking

Strong stakeholder management skills, with the ability to navigate complex situations and drive alignment among senior leaders.

Clear understanding of the Group credit risk principles, policies and statutory compliances

Strong communication and interpersonal skills, Commercial Mindset, with the ability to influence and collaborate effectively across all levels of the organization

Exceptionally strong problem-solving and communication skills

Strong interpersonal skills and ability to build and maintain relationships.

Ability to build connections and work collaboratively across boundaries.

Highly customer oriented and delivering top quality customer service.

Others

Manage all elements of Operational Risk which includes aspects related to GCC Compliance, Data Protection, Health and Safety and Audit requirements.

Foster a culture of compliance amongst the team members as regards Group Compliance Policy.

Understand and comply with all relevant policies and procedures issued by the Group and contained within the Group Standards Manual and relevant Functional Instruction Manuals and Process Guidelines.

Maintain high standards of professional conduct and be a role model for the team.

Maintaining HSBC internal control standards and implementing the Group Compliance Policy, wherever applicable

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.

Adhering strictly to compliance and operational risk controls in accordance with HSBC and regulatory standards, policies, and practices.

Excellent verbal, written and presentation skills; strong ability to portray a macro view and an eye for detail.

hsbc.com/careers

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.”

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.

***Issued By HSBC Electronic Data Processing (India) Private LTD***