Credit & Lending Sr Manager

Job description

Job description

The Wholesale Credit & Lending (WCL) Value Stream (VS) is embarking on an exciting global transformation journey, overseeing the comprehensive Credit and Lending processes across Wholesale Banking (Corporate & Institutional Banking). The WCL Value Stream is comprised of Sub-Value Streams and Enablers which are responsible for a defined scope and structure ensuring front-to-back enhancements and maintenance. Through this design the department can foster lasting change by enhancing technology and capabilities, promoting efficiency and automation, elevating risk management standards, and accelerating balance sheet velocity across the businesses. This is achieved by delivering sustaining infrastructure and capabilities to revolutionize Credit & Lending experiences for our customers, colleagues, and regulators.

The Value Stream construct allows us to focus on a single set of aligned objectives, collaborate to deliver our target architecture while maintaining the effective delivery of credit and lending services.

The WCL Value Stream Senior Manager will report to the Head of WCL Value Stream within Wholesale COO, and will have a range of functional responsibilities including management and leadership; the role holder will ensure the governance and the proper risk and control environment within the end-to-end credit process as well as act as a Subject Matter Expert (“SME”) and point of escalation for process issues engaging positively with different stakeholders as The Line of Business, Products, Legal, Wholesale Credit Risk, and GSC/Credit Services.

This role will also enable consistent communication of any KPI and operating practices or processes changes as appropriately to stakeholders to avoid the risk of any misinterpretation, ensuring a correct and trasnparent communication and documentation of the credit and lending services performance. This role will also contribute positively on credit matters for WCOO through Value Stream management and Strategic Change Programmes by assisting in identifying process improvements and supporting the delivery of transformational changes in the process. 

Leadership & Teamwork 

Trusted by colleagues and teams to make balanced, fair decisions
Proven ability to motivate people to go above & beyond
Able to adapt behavior in response to feedback
Contribute to an environment of continuous performance improvement. Building an inclusive culture where diversity of thought and different perspectives are equally value

Major Challenges

Working across multiple markets and business/functions with multiple delivery and business partner teams
Defining the approach and dealing with complex requirements and unique projects – often one off initiatives.
The systems and processes involved are often highly technical in nature or require specialist knowledge to fully understand and effectively support the credit process.

Experience

Proven understanding of the Credit Process and mexican local regulation.
Track record of leading delivery through teams directly and indirectly across local and remote environments
Proven ability in working across multi-disciplinary and multi-cultural diverse work environments
Evidence of managing and satisfying multiple stakeholders and perspectives in a fluid and changing environment
High level of drive and motivation to ensure successful delivery of complex transformational initiatives

Capabilities     

Outstanding organizational, time management and planning skills in order to cope with multiple large-scale responsibilities.
Collaborative end to end leadership style which enables interdependent outcomes and works across boundaries in an Agile and connected manner
Problem solving
Ability to make critical decisions and strategically prioritise based on WCL and business / function goals.
Outstanding interpersonal and communication skills with a proven ability to communicate effectively and confidently at all levels across the Group.

Requirements

Key Accountabilities

Coordination of the BSO Lending Forum
Support the Business in the End to End Lending Process
Identification and Execution of improvements in the Lending Processes by supporting the simplification and reduction in activity time.
Ensure the proper risk and control environment within end-to-end Credit Process 
Support the business in Internal and External Audits & Reviews
Elaboration of relevant MI
Ensure Lending Processes and Policy are well documented and updated

At HSBC, we expect our people to treat each other with dignity and respect, creating an inclusive culture that promotes equal opportunity. Our values define who we are as an organization and what distinguishes us, we value difference, we move forward together, we take responsibility for our actions, we use good judgment, we do the right thing and we make things happen.

“At HSBC we offer our colleagues a greater number of days so that they can fully enjoy their wedding, take care of the new member of the family, or grieve the loss of a family member. Our paid leave package is at the forefront in Mexico, now you have one more reason to be HSBC and proudly live a culture of well-being, balance and care”

At HSBC we are focused on guaranteeing gender equality and constant training for our employees as well as the protection of their labor and social rights.