Assistant Manager IC

HSBC Holdings plc; Hyderabad; On-site; INR 800,000 - 1,400,000; Full time

Job summary

HSBC Holdings plc in Hyderabad seeks an Assistant Manager IC to support Credit Services. You will handle post-approval activities, risk assessments, collateral management and loading/amendment of limits, pricing and commissions across the credit lifecycle.

The candidate should have MBA Finance or B.Com/M.Com with at least 3 years in credit and lending operations, fluent English, and strong data skills for reporting and process improvements. Shift flexibility is required.

Qualifications

• MBA Finance, B.Com or M.Com degree required.
• Sound Knowledge of Financial Accounting Concepts, Credit and Collateral Products.
• Minimum 3 years experience in Credit & Lending Operations.
• Ability to speak and understand English fluently.
• Good written communication and attention to detail.

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 achieve maximum customer satisfaction within the specified SLA.
• Maintain data accuracy and data standards to ensure data integrity on Group Systems.
• Manage the workflow for efficient operations and participate in Governance meetings with the business.
• Train new joiners, conduct classroom training and support BAU targets.

Education

MBA Finance

B.Com

M.Com

Job description

Job Title: Assistant Manager IC

• Credit Services is an end-to-end Credit Risk Management Business Service for Operating entities across the HSBC Group in Commercial Banking. It spans across the entire Credit Risk management Value Chain starting from Preparation and On-boarding of a Credit Application in the Bank’s system and financial spreading followed by Credit and Collateral Documentation, Credit Disbursement, Risk Monitoring, Control, Management and Processing Facility Offer Documents.
• We provide Professional and consistent Credit Risk management Services, Improve End to End Credit processes and systems, Deliver Service Excellence at competitive cost, contribute towards building Quality Asset portfolio and build domain expertise on Credit Profile. We support Relationship Managers in winning New Businesses and allow RM’s to deepen and strengthen existing relationships. We protect the bank and help the RM’s in managing Risk.

In this role, you will:

The jobholder shall have the following responsibilities:

• 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.
• 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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