Credit Risk Generalist

Job Description Brand: HSBC Area Of Interest Location: Mumbai, MH, IN, 400063 Work Style Date: 28 Oct 2025 Some Careers Open More Doors Than Others. If you're looking for a career that will unlock new opportunities, join HSBC and experience the possibilities. Whether you want a career that could take you to the top, or simply take you in an exciting new direction, HSBC offers opportunities, support and rewards that will take you further. Wealth and Personal Banking is our new global business combining Retail Banking and Wealth Management; and Global Private Banking. Across Asia, where wealth pools are growing faster than in any other region. Our dedicated colleagues serve millions of customers worldwide across the entire spectrum of private wealth, ranging from personal banking individuals and families, through to business owners, investors and ultra-high-net-worth individuals. We provide products and services such as bank accounts, credit cards, personal loans and mortgages, as well as asset management, insurance, wealth management and private banking that best suit our customers needs. We are currently seeking an experienced professional to join WPB Risk team as Vice President Retail Collateral Risk Management. Job Introduction - Vice President- Retail Collateral Risk Management is responsible for the management of collateral risk in order to achieve the credit risk appetite and enable business growth. - The most significant need that the incumbent has to fulfill is to manage developer and under-construction project approvals and monitoring (especially technical / valuation related nuances), design policies and review controls around valuation of current and impaired mortgage assets, monitor Real Estate market trends (primary and secondary), regulatory landscape. The incumbent will assist in integrating discussions and action plans on the larger objectives of collateral risk management with Regional Risk, Product, Operations and Collection Teams. Principal Responsibilities - Designing, modifying, implementing policies for collateral risk management, valuation, developer / under-construction project approval and monitoring etc. - Monitor performance of approved under-construction projects / developers, valuation related controls etc. - Closely monitor the real estate market property price movements, launches and demand etc. - Support strategic initiatives like system integration / enhancements for achieving operational efficiencies. Role context - The strategic directive that the incumbent has to deliver will be to build, automate and improvise the complex decision processes involved in the collateral management space. - Efficient deployment of risk tools to provide innovative solutions focused on effective collateral management is a key deliverable of this role. Guidance & authority - The incumbent has the authority to take decision on collateral management Policy and related processes, while balancing risk and growth objectives. In order to ensure that the Group's lending norms are adhered to at all times, the jobholder will be guided by the area lending guidelines such as RRP, RG, FIM, Regulatory guidelines, Group Audit recommendations and local regulatory norms. The incumbent will draw guidance from SVP Secured Lending Risk, Head WPB Risk, India and ASP WPB Risk on matters related to policy Qualifications - Education qualifications - Minimum Post-Graduate (Masters) - Experience 5 to 10 years of experience 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. Issued by The Hongkong and Shanghai Banking Corporation Limited, India