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 - Corp Inst 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

Participate in deal discussions and meetings with clients or credit risk as required

Ability to build and maintain strong relationships across the teams, including credibility with both Business and Risk leaders.

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

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.

Risk assessment of the carbon footprint of the Wholesale lending portfolio, identifying physical and transitional risks.

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.

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

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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