Svp Credit and Risk

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**Role Purpose**

To contribute towards building sound asset quality and a resilient credit culture at INM GB and FIG by ensuring that the credit approval process is responsive to customer needs, and within HSBC’s prudent framework. The job also encompasses credit assessment for domestic & cross border project finance, capital market transactions, TRY driven business and new product plans for GB and FIG businesses, implementation of new projects undertaken by INM RISK. The job holder is also responsible for monitoring of early warning signals in the form of exceptions in account conduct, financials as well as other external data and taking/recommending appropriate steps.

**Principal Accountabilities**

**Impact on the Business**
- Promote strong asset quality
- Contribute to the growth of business and work to high levels of customer service standards
- Improve the quality of credit evaluation, and inject objectivity and consistency into the financial analysis.
- Protect the Bank from potential loss on the credit portfolio.
- Safeguard the Bank from regulatory strictures / penalties and potential loss.

**Customers / Stakeholders**
- Ensuring customer groups (primarily GBM and FIG) understand, accept & implement policies and thresholds & incorporate risk issues as integral to all activities
- Updating executive management of risk performance through RMC / related governance. Provide relevant MI reports/ad hoc reports to APH / Group Risk.
- Manage relationship with regulators, auditors, rating agencies, industry bodies, where necessary.

**Leadership & Teamwork**
- Work effectively with the Country Risk Team and in country business/functional teams.
- Ensure strong communication with counterparts in the region (both at APH and with other large HBAP sites)

**Operational Effectiveness & Control**
- Contribute to effective implementation of operational risk management with WMR, through formal governance and embedding the 3 Lines of Defence.
- Proactively review and challenge the 1LOD to assess the adequacy of risk management activities and fulfil Risk Steward responsibilities, as applicable from a WMR perspective
- Maintain HSBC internal control standards, implement and observe Group Compliance Policy and maintain awareness of operational risk and minimize the likelihood of it occurring.

Requirements
- Post-Graduation with 5 to 10 years’ experience
- Extensive knowledge of all aspects of commercial banking with a strong background in Corporate Banking and Trade Finance and an overall experience of 7-9 years in related areas (specifically 3-5 years in credit analysis).
- Knowledge of Investment Banking & Project Finance transactions and Treasury products in addition to working knowledge of CBA products, acquired either through experience and/or formal training.
- Knowledge of local laws and regulations, experience in dealing in a complex legal environment, and ability to track the economic, political and social trends and analyse the impact on the bank's asset base.
- High levels maturity, resilience, sharp negotiation and communication skills.

**Additional Information**

**Useful Link**

Link to Careers Site: Click** **HERE**

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- Issued by The Hongkong and Shanghai Banking Corporation Limited, India_