Assistant Vice President - Credit Analysis Unit

HSBC Holdings plc; Bengaluru; Hybrid; INR 3,000,000 - 4,800,000; Full time

Job summary

HSBC Bengaluru (Bangalore) invites experienced professionals to join as Assistant Vice President – Credit Analysis Unit in a hybrid role. You will manage end-to-end credit workflows, evaluate risk, and partner with Risk and Business teams to ensure high-quality lending decisions while driving process improvements and reporting.

You will leverage strong analytical skills, ESG/climate risk understanding, and enterprise credit principles to support portfolio performance and compliant operations in

Qualifications

• Post Graduation in Management /Finance/ Economics, or Chartered Accountant CFA, FRM or equivalent or as per local market conditions.
• Strong understanding of Environmental, Social and Governance and Climate Risk policies and their implementation.
• 6+ years relevant corporate lending experience with strong analytical skills and sound credit domain knowledge.
• Strong understanding of financing instruments and banking products for Wholesale Banking; stakeholder management and collaboration across senior levels.
• Adherence to Group credit risk principles, policies and statutory compliance; strong communication and interpersonal skills.

Responsibilities

• Deliver tasks aligned with SLAs and own end-to-end Credit & Capital Management servicing journey.
• Balance client relationship management with risk assessment to ensure credit quality and returns on risk.
• Participate in deal discussions with clients or credit risk as required and drive process improvements.
• Build relationships across teams and maintain credibility with Business and Risk leaders.
• Maintain internal controls and address audit/regulator recommendations; ensure governance.

Skills

Credit risk assessment

Stakeholder management

Financial analysis

Communication skills

Education

Post Graduation in Management/Finance/Economics

CA/CFA/FRM

Job description

Assistant Vice President - Credit Analysis Unit

Location: Bangalore, KA, IN, 560103

Brand: HSBC

Area of Interest:

Role Workstyle: Hybrid Worker

Date: 14 Oct 2026

Some careers shine brighter than others.

If you’re looking for a career that will help you stand out, join HSBC and fulfil your potential. 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.

HSBC is one of the largest banking and financial services organisations in the world, with operations in 64 countries and territories. We aim to be where the growth is, enabling businesses to thrive and economies to prosper, and, ultimately, helping people to fulfil their hopes and realise their ambitions.

We are currently seeking an experienced professional to join our team in the role of Assistant Vice President – Credit Analysis Unit

In this role, you will:

• Responsible for the delivery of tasks in line with agreed Service Level Agreement and Service Level Agreement , Own the end-to-end Credit & Capital Management servicing journey, ensuring a seamless and efficient process for customers and internal stakeholders
• Combine client relationship management with strong risk assessment and management capabilities ensuring the required credit quality & requisite returns on risk. Continuously drive improvement in their productivity whilst enhancing client experience.
• Adopt technology and customer experience improvement initiatives, including alignment to a globally consistent operating model. Participate in deal discussions and meetings with clients or credit risk as required
• Strong execution and implementation ability. Ability to build and maintain strong relationships across the teams, including credibility with both Business and Risk leaders.
• Protect the Bank by acting as First Line of Defence and adhering to all controlsMaintain HSBC internal control standards, including timely implementation of internal and external audit recomentations, along with addressing any issues raised by external regulators
• Demonstrates ability to engage in constructive and consistent dialogue with risk partners, in a manner that effectively balances commercial outcomes and risk management
• Work with the Lead to ensure adequate credit risk management controls are built into the operational process and robust MI is in place to track and measure risk against agreed thresholds. Staying abreast of latest guidelines and procedures, FIM and other regional policy guidelines, ensuring necessary guidance is provided to the team.
• Demonstrate high standard of collaborative skills. Undertake high quality industry, competitor and client level financial analysis; climate related risk assessment of the carbon footprint of the lending portfolio including policy applicability, identifying physical and transitional risks
• Analysis and investigation of portfolio exposure for Financed Emissions reporting, including Thermal Coal (TC) and exposure weighting calculations for eligible counterparties, along with assurance support for ARA reporting. Coach team members for development and sustain a highly motivated and skilled team to meet business needs.
• Actively participate along with the team to ensure productivity and quality are maintained and continuously improved. Sustain good communication with the team members and with the wider organization across locations.

To be successful you will:

• Post Graduation in Management /Finance/ Economics, or equivalent such as a Chartered Accountant CFA, FRM or equivalent or as per local market conditions. Capital markets certifications in Mutual Funds, Derivatives, Stock Markets, etc. would be an added advantage.
• Good understanding of Environmental, Social and Governance and Climate Risk - Understanding Environmental, Social and Governance policies and their implementation using annual reports,Corporate Social Responsibility /Sustainability reports and other company filings.
• 6+ years relevant corporate lending experience with strong analytical skills and sound credit domain knowledge
• Strong understanding of various financing instruments and banking products for Wholesale Banking. Strong stakeholder management skills, with the ability to navigate complex situations and drive alignment among senior leaders.
• Clear understanding of the Group credit risk principles, policies and statutory compliances. Strong communication and interpersonal skills, Commercial Mindset, with the ability to influence and collaborate effectively across all levels of the organization
• Exceptionally strong problem-solving and communication skills. Strong interpersonal skills and ability to build and maintain relationships. Ability to build connections and work collaboratively across boundaries. Highly customer oriented and delivering top quality customer service.
• Manage all elements of Operational Risk which includes aspects related to GCC Compliance, Data Protection, Health and Safety and Audit requirements. Foster a culture of compliance amongst the team members as regards Group Compliance Policy.
• Understand and comply with all relevant policies and procedures issued by the Group and contained within the Group Standards Manual and relevant Functional Instruction Manuals and Process Guidelines. Maintain high standards of professional conduct and be a role model for the team.
• Maintaining HSBC internal control standards and implementing the Group Compliance Policy, wherever applicable. Need to be aware of the Operational Risk scenario associated with their role, and to ensure that all actions during their employment with HSBC take account of the likelihood of operational risk occurring.
• Adhering strictly to compliance and operational risk controls in accordance with HSBC and regulatory standards, policies, and practices. Excellent verbal, written and presentation skills; strong ability to portray a macro view and an eye for detail.

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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