Assistant Manager IC

HSBC Holdings plc; Kolkata District; On-site; INR 600,000 - 1,200,000; Full time

Job summary

HSBC Holdings plc in Kolkata is seeking an Assistant Manager IC to oversee end-to-end Credit Operations, including collateral management for CMB and RBWM, while ensuring adherence to policies and high-quality service.

The role requires experience in commercial lending/credit services, strong communication, and proficiency in Excel and MS Office. Night/weekend shifts may be involved, with opportunities to learn and improve processes.

Qualifications

• MBA Finance / B.Com / M.Com required or preferred.
• Prior experience in Commercial Lending / Credit Services is desirable.
• Good understanding of Financial and covenants reports.
• Willingness to work in shifts (Night/Weekends).
• Good knowledge in Excel.
• Excellent communication skills.
• Good accounting/financial knowledge.
• Experience in building and maintaining strong relations with the Business Units.

Responsibilities

• Process end-to-end Credit Operations activities as per guided procedures and policies.
• Perform quality checks for the process and resolve team queries about the Credit process.
• Work on collateral mismatches between HUB and CARM systems and coordinate with stakeholders.
• Produce MI reports for mismatches for daily/weekly/monthly reporting.
• Communicate with Relationship Managers to ensure requests align with Credit Policies.
• Implement Credit policies/procedures laid out by Credit Risk Management.
• Achieve and exceed process targets and learn continuously.
• Manage training for new staff and monitor performance including signoffs.
• Build positive relationships with Business Partners and colleagues across functions.
• Manage high value transactions with careful risk handling.

Skills

Excellent communication skills

MS Office proficiency

Excel proficiency

Education

MBA Finance

B.Com

M.Com

Tools

Microsoft Office

Excel

Job description

Job Title: Assistant Manager IC

• The aim of this job is to process efficiently of Credit Operations activities as per the guided procedures and policies. The job holder will strive to improve the efficiency of the self by continuous learning and practice. The Credit Operation functions would include all the Pre and post approval activities (E2E) viz. CARM creation (new) for both CMB and RBWM business.

In this role, you will:

• Strong knowledge in e2e Credit Services and Collateral Management.
• Understanding Loans and mortgages, Credit Services and be able to process request/complex transaction.
• Be able to conduct Quality checks for the process and able to effectively resolve the queries of the team about Credit process.
• To be able to understand and work on the Collateral mismatches between different systems (HUB and CARM)
• Research on the different categories of mismatches and resolve those by connecting with relevant stake holders.
• Able to produce the MI report for all the mismatches with reasons for daily/weekly/monthly reporting purpose.
• To communicate with RMs (written / verbal) to ensure that the request is in line with the Credit Policies
• To implement the Credit policies / procedures laid out by the Credit Risk Management.
• 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.
• Candidate should be proficient in Microsoft office tools and excel.
• Delight external customers by providing excellent service.
• Be a single point of contact for the onshore region concerned and should be able to handle issues & escalations from the team.
• Analyze business trends, establish volume forecasting and plan for effective capacity/resource utilization.
• Ensure usage of Production Management Tools.
• Manage work for quality and ensure compliance with audit requirements.
• Drive constant improvement in the quality of service provided to Business partners and external customers.
• Manage the timely processing of all instructions with good quality level .ie. SLA management/ Work allocation
• Handling high value transactions with utmost care given the inherent operational risk.
• Ensure Training for the new staff is planned & executed on time and monitor performance including signoffs.
• Building positive and professional relationships with Business Partners and colleague in other areas.
• Motivate teams working in a challenging operational environment working different shifts.

To be successful you will:

• MBA Finance / B.Com / M.Com
• Prior experience in Commercial Lending / Credit Services is desirable
• Good understanding of Financial and covenants reports
• To be willing to work in shifts (Night/Weekends)
• Good Knowledge in Excel
• Excellent Communication Skills.
• Good Accounting/Financial knowledge.
• Experience of building and maintaining strong relations with the Business Units

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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