Business Manager - Commercial Banking

Job description

Supporting the Senior Manager in the Business Banking Central Team in driving sustainable growth through the acquisition of quality new business, to support the achievement of Business Banking’s Annual Operating Plan.
The jobholder is responsible for developing and implementing nationally consistent approaches to acquire quality new to bank customers through delivery channels, supporting the BB proposition. Ensure overall RM capability keeps pace with business needs, is aligned to BB strategy and reflects compliance and governance requirements.
The jobholder is responsible for providing management with an understanding of BB performance measured through analytics and scorecard performance metrics that identify key challenges and provide key solutions that will drive greater business performance:
 
creative in the development of solutions and is able to deploy these seamlessly across the business
brings innovation to business problems and performance challenges
align and manage BB initiatives and resourcing
support the implementation of products within the segment
Assisting with the development of a culture that has ‘treating customers fairly’ at its core, is focused on customer experience and the professionalism of our service proposition while achieving appropriate standards for credit, audit and operating risk.
Manage relationships with key stakeholders ensuring that clear plans and priorities are developed for Business Banking aligned to specific UK, Regional and Global functional strategies.
Representing HSBC internally and externally as a Senior Business Banking Manager.
 
 
Impact on the Business
Ensuring a robust and consistent strategy is in place across Business Banking
Driving the effective use of customer insight to build a better understanding of client needs, ensuring we take full advantage of HSBC’s strong market position
 
Customers / Stakeholders
Driving the effective use of customer insight to build a better understanding of customer needs, ensuring we take full advantage of HSBC’s strong market position to acquire quality business from our competitors
Coordinating activities / programmes and campaigns
Effective dialogue with all stakeholders across CMB and the Group.
Enhance the bank’s image in the marketplace to build key relationships with third parties and establish HSBC as the “International SME Bank.”
 
Leadership & Teamwork
Promote Employee Engagement
To display courageous integrity in all dealings – lead by example
Promote a collective culture to spread switcher experience & best practice
Effective and continuous dialogue amongst all internal stakeholders
Contribute fully to the effectiveness of the team and its development
Ensure the structured, continuous leasrning and development programmes and accreditation frameworks provided by the bank are fully embraced and used throughout the Region
 
Operational Effectiveness & Control
By considering fairness in all aspects of strategy, product design & delivery, processes, customer literature & correspondence, financial promotions, administration and complaint handling
Ensure any operating budgets are adhered to
Monitoring the consistent application of Group policy and procedures when on-boarding new to bank customers
Support all internal review and/or external regulators requirements, ensuring these are dealt with in an accurate and timely manner
To implement the Group compliance policy locally by containing compliance risk in liaison with the Head of Group Compliance, Global Business Compliance Officer, Area Compliance Officer or Local Compliance Officer, ensuring adequate compliance resources and training, fostering a compliance culture and optimizing relations with regulators.
Complete other responsibilities, as assigned.
 
Role Context
Against a backdrop of fierce and increasing competition, the bank seeks to grow its business through acquisition of quality new customers, retention of quality existing customers and improving average returns per customer.
We will achieve this by aligning our distribution directly with our principal customer groups, and ensuring co-ordinated, multi-channel, delivery within a highly focussed environment, which recognises the customer, and regulatory demand for increased specialism and continually increasing levels of professional competence: becoming the best place to bank for our customers, and the best place to work for our staff.
In achieving these aims, and retaining a strong culture of operational integrity and cost control, we will deliver revenue streams that expand at a faster rate than costs, and meet shareholder demands for positive jaws performance
 
Management of Risk
Ensure compliance, operational risk controls in accordance with HSBC or regulatory standards and policies; and optimize relations with regulators by addressing any issues.
The jobholder will ensure the fair treatment of our customers is at the heart of everything we do, both personally and as an organization.
The jobholder will also continually reassess the operational risks associated with the role and inherent in the business, taking account of changing economic or market conditions, legal and regulatory requirements, operating procedures and practices, management restructurings, and the impact of new technology.
This will be achieved by ensuring all actions take account of the likelihood of operational risk occurring. Also by addressing any areas of concern in conjunction with line management and/or the appropriate department
The role holder is not permitted to undertake judgemental risk assessment.
 
Observation of Internal Controls
Maintains HSBC internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators.
The jobholder will also adhere to and be able to demonstrate adherence to internal controls. This will be achieved by adherence to all relevant procedures, keeping appropriate records and, where appropriate, by the timely implementation of internal and external audit points, including issues raised by external regulators.
The jobholder will implement the Group compliance policy by containing compliance risk in liaison with Global Head of Compliance, Global Compliance Officer, Area Compliance Officer or Local Compliance Officer. The term ‘compliance’ embraces all relevant financial services laws, rules and codes with which the business has to comply.
This will be achieved by adhering to all relevant processes/procedures and by liaising with Compliance department about new business initiatives at the earliest opportunity. Also and when applicable, by ensuring adequate resources are in place and training is provided, fostering a compliance culture and optimising relations with regulators.

Desired profile

Knowledge/Experience
Minimum of 7 years experience
Detailed knowledge of the Commercial Banking market globally
Sound understanding of Global CMB strategy, its relevance for Business Banking and its place within the wider competitive environment
Strong knowledge of competitor products / offerings and their positioning within the marketplace
Experience of winning valuable switchers
Proven experience of working effectively with, and a detailed knowledge of the bank’s IT systems, including RBPM, Excel, Powerpoint, Word, Browser Main Menu, Global Links, Group Intranet, etc
Some credit background with appraisal and analysis experience
Bachelor’s Degree (BA)
 
Skills
Proven ability, with a successful record of accomplishment in:
Leadership and coaching of a team
Commercial Management
Relationship Management
Ability to think strategically and laterally
Outstanding interpersonal skills, with a particular emphasis upon inspiring, influencing and negotiating
Highly developed planning and organisational skills
Adaptable, flexible, with a self initiated approach to change and developing market demands and opportunities
Team player
Commercial acumen
 
EEO/AA/Minorities/Women/Disability/Veterans