Assistant Manager Credit Services

HSBC Holdings plc; Kolkata; On-site; INR 900,000 - 1,300,000; Full time

Job summary

HSBC Electronic Data Processing (India) Private LTD in Kolkata is seeking an Assistant Manager for Credit Services. You will handle risk approvals, collateral management, and limit pricing, ensuring accurate data and timely processing while meeting defined SLAs.

The role requires 3+ years in Credit & Lending Operations, strong English communication, and the ability to train others. A shift-friendly attitude and data-driven approach are essential.

Qualifications

• MBA Finance / B.Com / M.Com. is required.
• Sound knowledge of Financial Accounting concepts.
• Minimum 3 years experience in Credit & Lending Operations.
• Ability to speak and understand English fluently for interactions with stakeholders.
• Ability to write good quality emails and prepare reports with attention to detail.
• Flexibility to work shifts and manage voluminous data.

Responsibilities

• Processing/approval of post-approval activities including risk approvals, collateral management and loading/amendment of limits, pricing and commission.
• Provide high quality processing service to meet SLA targets and customer satisfaction.
• Manage inquiries and maintain data integrity across Group Systems.
• Train new joiners, conduct classroom training and monitor learning curves.
• Ensure audits are performed and improvements communicated to achieve metrics.
• Participate in governance meetings and support management with MI reporting.

Skills

Fluency in English

Email writing

Data interpretation

Communication skills

Multi-tasking

Attention to detail

Shift flexibility

Rapport building

Presentation skills

Education

MBA Finance

B.Com

M.Com

Job description

Job Title: Assistant Manager Credit Services

• Processing/approval of various post approval activities including analyzing relevant risk approvals, collateral management and loading/amendment of limits, pricing and commission.
• To continuously provide high quality processing service to achieve maximum customer satisfaction within the specified SLA’s.
• Responsible for rapport building and resolving customer/RM inquiries in a professional manner (where applicable).
• Given the inherent operational risk, the incumbent is expected to understand the operational risk framework and the impact of his/her actions while processing.
• Management of the workflow to ensure efficient operations of the unit.
• Ensure process and procedures are continually reviewed, improved and changes are communicated for effective implementation, which are measured through reduced costs and improved revenue.
• Train the new joiners, conduct classroom training, prepare and set learning curve targets, monitor and support staff in attaining BAU.
• Ensure that internal audits and measures are undertaken regularly and reviewed in order to achieve / exceed agreed Process and Global Operating Metrics.
• Drive constant improvement in the quality of service provided to Business partners and external customers.
• Participate in Governance meetings with the business and assist the Manager Operations with MI and other reporting requirements.

In this role, you will:

• Analyzing all relevant risk approvals pertaining to credit proposals.
• Perfection, management and release of collaterals.
• Loading/amendment of limits, pricing and commission.
• Strong understanding of end-to-end credit and lending.
• Maintain accuracy of data / data standards in order to ensure data integrity on Group Systems.
• Achieve and exceed relevant process targets in line with business objectives.
• Acquire and update knowledge on the process, procedures and products on an ongoing basis.
• Exhibit ownership of the business
• Meet targets on productivity and accuracy as per the targets and metrics defined for the process.
• Instructions/requests to be correctly interpreted, understood and processed.
• Ensure that the process related procedures are implemented as per the process manuals.
• Ensure that fraud/errors/irregular transactions (if any) are identified and escalated.

To be successful you will:

• MBA Finance / B.Com / M.Com.
• Sound Knowledge of Financial Accounting Concepts, Credit and Collateral Products, a minimum of 3 years experience in Credit & Lending Operations.
• Ability to speak and understand English fluently as the process requires to interact with front line, Policy maker/s, risk teams and key stake holders.
• Ability to write good quality emails and prepare reports and have eye for details.
• Good conversational skills to engage customer.
• Ability to learn quickly and transfer knowledge appropriately.
• Ability to understand and interpret numeric data.
• Minimum, basic computer knowledge.
• Flexibility to work shifts.
• Ability to build rapport with and relate to a wide range of people.
• Ability to maintain focus while working with voluminous data.
• Ability to multi-task.
• Good understanding of the Commercial/Corporate Credit Lending Cycle (E)
• Excellent communication skills (E)
• Excellent prioritization, planning and organization skills (E)
• Ability to learn very quickly and transfer knowledge appropriately (E)
• Ability to derive insight from large amounts of data from diverse sources. (D)
• Decision making based on experience, judgment and process knowledge (E)

Hsbc.Com/Careers

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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***Issued By HSBC Electronic Data Processing (India) Private LTD**