Credit Risk Generalist

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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.

Post Graduation in Management, Finance, Economics, or equivalent such as a Chartered Accountant would be preferred. Candidates with CFA, FRM and other risk management qualifications will be an added advantage.

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 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

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."

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