CAU Senior Manager

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We are currently seeking an experienced professional to join theIndia (INM) / Credit Analysis Unit / Wholesale Client Servicesteam.

Job Introduction

The Credit Analysis Unit (CAU) team works closely with Relationship Managers (RMs) of GB to help them prepare Credit Proposals for all GB borrowing names across the Funds, FIG and Corporate sectors. CAU maintains a flexible operating model ensuring new business transactions are consistently prioritized effectively to exploit revenue generating activities, and credit annual renewals are serviced in a quality and timely manner.CAU team covers implementation of credit policies, procedures and control for Wholesale Banking. CAU interacts with regulatory during course of annual audits and supports submission of all Request for Information for Wholesale Banking (Global Banking and Commercial Banking)

Principal Responsibilities 

Impact on the Business:

·Ensure relationship between CAU, Client Onboarding, Credit Risk, and RMs is strategically forward looking, highly collaborative and productively engaged towards mutual business outcomes.

·Provide the highest quality, forward looking and professional Credit Analysis to GB for the existing INM portfolios and new business transactions.

·Develop and manage a forward looking and strategic relationship with GBM across INM to ensure work load is considered well in advance, resources are effectively deployed and overdues are controlled within KPIs.

·Ensure CAU’s management of Funds, FIG and Corporates is developed with business development objectives in mind, timely delivery of services, appropriate controls, thorough documentation and a high degree of data integrity. Review and with stakeholders formulate and deliver a best in class Credit Risk Management and control environment observing group policy and procedure documents.

·Develop and manage a forward looking and strategic relationship with INM and APH/GMO Risk

·Review the credit policies for periodic refresh and ensure credit controls are put operated effectively.

·For CMB ensure that post approval activities such as documentation, credit administration and monitoring

Customers / Stakeholders:

·GB and CMB (RMs, Business Heads, RSM etc.);

·Credit Risk; and

·Offshore CAU (“GSC”)

·Credit Services, Legal, Finance

·WB COO

Leadership & Teamwork

·Develop Onshore CAU team, succession planning and effective leadership to secure the highest standards of quality and timeliness of delivery and consistency of form, and works in partnership with offshore colleagues to do the same

·Support regulatory and business management initiatives where CAU-specific expertise is required

·Effectively engage and negotiate the most practical and effective way forward for the evolution of CAU within the India with senior stakeholders

Operational Effectiveness & Control

·Develop and manage a forward looking and strategic relationship with WSB across INM to ensure work load is considered well in advance, resources are effectively deployed and overdues are controlled within KPIs.

·Develop and manage a forward looking and strategic relationship with INM and APH/GMO Risk.

·Recruitment, training and development of a team of FTE based in India.

·Maintaining and updating (at least annually) all CAU onshore procedures manuals and roles & responsibilities documents; regulatory reporting timelines, credit polices

·Understand, follow and demonstrate compliance with all relevant internal and external rules, regulations and procedures that apply to the conduct of the business in which you are involved, specifically Internal Controls and any Compliance policy including, inter alia, the Group Compliance policy.

·Maintain HSBC Internal Control standards, including the timely implementation of internal and external audit points together with any issues raised by external regulators.

·Be aware of the Operational Risk scenario associated with the role and act in a manner that takes account of operational risk considerations.

·Maintain oversight of the entire end to end credit process by collaborating effectively with teams involved in documentation, limit maintenance or any other credit services

Major Challenges

Ensuring strict adherence to:

·HSBC FIMs (including but not limited to GB, CMB and Risk);

·Credit policy and procedures;

·CAU established Roles & Responsibilities and Desk Procedures;

·Strict adherence to credit controls through effective design & implementation of controls

·Streamlines and implement changes in process and systems to meet the evolving business and regulatory environment

·Ensure compliance with CAU annual review timelines.

·Ensure compliance of GB and CMB annual review KPIs

·Ensure compliance withWB COO budgets and controls

·Successful audits of businesses and geographies supported

·Recommending streamlining to existing procedures to ensure a more efficient credit risk process (end to end).

Role Context

The Head of CAU INM will have a range of functional responsibilities overseeing the provision ofcredit analysis,post approval process, credit administration, review and associated MI services

Develop Onshore CAU team, succession planning and effective leadership to secure the highest standards of quality and timeliness of delivery and consistency of form, and works in partnership with offshore colleagues to do the same

Management of Risk

Maintain awareness of operational risk and minimize the likelihood of it occurring including its identification, assessment, mitigation and control, loss identification and reporting in accordance with the Group Operational Risk FIM.

Observation of Internal Controls

Maintain and observe HSBC internal control standards, implement and observe Group Compliance Policy, including the timely implementation of recommendations made by internal/external auditors and external regulators.Foster a compliance culture and implement Group Compliance Policy by managing compliance risk in liaison with the Head of Group Compliance, Regional Compliance Officer, Area Compliance Officer or Local Compliance Officer, ensuring adequate compliance resources are in place and training are in place and training is provided, and optimizing relations with regulators.

·Ability to effectively engage and negotiate with senior stakeholders demonstrating considered foresight and highly developed interpersonal skills.

·Highly developed leadership and management ability.

·Proven ability to prioritize competing demands.

·Able to deal with and constructively resolve conflicting views and where necessary, escalate to senior management in a clear and succinct manner.

·Educated to the degree level.

·Minimum 10 years of banking experience required, with a minimum of 5 years within a credit risk discipline strongly preferred.

·Cross client section knowledge including corporates, financial institutions and funds is preferred.

·Fully conversant with the nature of complex/structured finance transactions, including i) Project & Export Finance, ii) Structured Trade Finance, iii) Highly Leveraged Transactions and iv) Asset Backed Lending.

·Having experience in credit life cycle management and regulatory engagement would be beneficial.

·Strong commercial and financial management experience with a proven track record in a service company type model.

·Excellent analysis, design and problem-solving skills.

·Highly developed negotiation and interpersonal skills.

·Be change oriented and able to cope with pressure and tight deadlines.

·Able to understand and consolidate diverse and complex business information and identify / mitigate risk issues.

·Fluent written and spoken English

·Highly proficient in the use of MS Office tools, Excel and conversant with changing technology landscape related to automation

·Successful ( engaged) management of a team of analysts and specialists

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