VP Credit & Risk

Job description

VP - Credit & Risk

Some careers open more doors than others.

If you're looking for a career that will unlock new opportunities, join HSBC and experience the possibilities. Whether you want a career that could take you to the top, or simply take you in an exciting new direction, HSBC offers opportunities, support and rewards that will take you further.

Business Descriptor:

Global Risk

Global Risk is a thriving and expert risk management function supporting HSBC globally with all aspects of risk management. The team actively manages a varied and dynamic range of risk types, including security, fraud, information security, contingency, geopolitical, operational, credit, pension, insurance, financial crime and regulatory compliance, market and reputation risks. All parts of the Global Risk team use their skills, insight and integrity to handle established threats and those they see emerging, acting to protect and enable HSBC to deliver sustainable growth.

Principal Responsibilities
·
Promote strong asset quality
·
Contribute to the growth of business and work to high levels of customer service standards
·
Improve the quality of credit evaluation, and inject objectivity and consistency into the financial analysis.
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Protect the Bank from potential loss on the credit portfolio.
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Safeguard the Bank from regulatory strictures / penalties and potential loss.
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Ensuring customer groups (primarily GBM and CMB) understand, accept & implement policies and thresholds & incorporate risk issues as integral to all activities
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Updating executive management of risk performance through RMC / related governance. Provide relevant MI reports/ad hoc reports to APH / Group Risk.
·
Manage relationship with regulators, auditors, rating agencies, industry bodies, where necessary.
·
Work effectively with the Country Risk Team and in country business/functional teams.
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Ensure strong communication with counterparts in the region (both at APH and with other large HBAP sites)
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Contribute to effective implementation of operational risk management with WMR, through formal governance and embedding the 3 Lines of Defence.
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Proactively review and challenge the 1LOD to assess the adequacy of risk management activities and fulfil Risk Steward responsibilities, as applicable from a WMR perspective
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Maintain HSBC internal control standards, implement and observe Group Compliance Policy and maintain awareness of operational risk and minimize the likelihood of it occurring
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Maintain awareness of risk and minimize the likelihood of it occurring through its identification, assessment, mitigation and control.
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Adheres to processes and controls to identify and mitigate risks and ensures timely escalation of control issues and reputation risks.
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Maintains HSBC internal control standards and addresses audit points and/or any issues raised by regulators in a timely manner.

Desired profile

Qualifications :

· 
Extensive knowledge of all aspects of commercial banking with a strong background in Corporate Banking and Trade Finance and an overall experience of 4-5 years in related areas (specifically 1-2 years in credit analysis).
· 
Knowledge of Investment Banking & Project Finance transactions and Treasury products in addition to working knowledge of CBA products, acquired either through experience and/or formal training.
· 
Knowledge of local laws and regulations, experience in dealing in a complex legal environment, and ability to track the economic, political and social trends and analyse the impact on the bank's asset base.
· 
High levels maturity, resilience, sharp negotiation and communication skills.
· 
Knowledge of Group Credit systems, policies and procedures, using systems such as HUB, CARM.

Any of the below qualifications to be considered for the role :

FRM or
CA or
ICWA or
CS or
CFA or
MBA Finance or
MMS Finance or
PGDM or
PGDRM or
Certificate Examination in Risk in Financial Services- IIBF or
Diploma Certification Course in Risk Management - NIBM

You'll achieve more when you join HSBC.

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The Hongkong and Shanghai Banking Corporation Limited (HSBC) India