Credit Risk Generalist

**Some careers have more impact than others.**
If you’re looking for a career where you can make a real impression, join HSBC and discover how valued you’ll be.

HSBC is one of the largest banking and financial services organisations in the world, with operations in 62 countries and territories. We aim to be where the growth is, enabling businesses to thrive and economies to prosper, and, ultimately, helping people to fulfil their hopes and realise their ambitions.

We are currently seeking an experienced professional to join our team in the role of** Credit Risk Generalist**

**Business: corporate and Instant Banking**

**Principal responsibilities**
- 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 Team 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.
- Closely work with the senior management team and Regional Sustainability Champions to drive various activities as part of the Group's transition to Net Zero along with implementing various strategic initiatives across BCO teams.
- Analysis and investigation of Wholesale portfolio exposure for the Thermal Coal Phase Out Policy (TCPOP) applicability (both lending & capital market transactions) and exposure weighting calculations for eligible counterparties, along with assurance support for ARA reporting.
- Analysis and investigation of Wholesale counterparties for policy screening / eligibility across multiple sectors as part of the client onboarding & renewal process.
- Risk assessment of the carbon footprint of the Wholesale lending portfolio, identifying physical and transitional risks.
- Analyze counterparty information for climate-related risk assessments, including emissions reduction plans, physical risks, maturity of transition plans, and transition plan evaluations.
- Perform thorough research and analysis on Wholesale counterparties' data and trends, focusing on greenhouse gas emissions accounting, Net Zero strategies, and Climate Change Risk Management.
- Analysis and validation of industry/sub-sector of the Wholesale portfolio as part of the Climate Aligned Finance sectoral value chain along with assurance support for ARA reporting.

**Qualifications**
- Any further certification from NSE (NCFM Modules) on Mutual Funds, Derivatives, Stock Markets, etc.
- 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 i