Ops Manager Credit Services

HSBC Holdings plc; Hyderabad; On-site; INR 1,500,000 - 2,100,000; Full time

Job summary

HSBC India is seeking an Ops Manager Credit Services to oversee Commercial Banking and Global Markets operations across geographies, ensuring data integrity, strict SLA adherence, and high service quality for internal and external clients.

You will manage the full customer journey from pre-approval to post-approval activities, collateral management, covenant monitoring, and credit administration, while driving continuous improvement and risk controls.

Qualifications

• Strong SME knowledge in Commercial / Global Credit and Lending Services.
• Experience in Commercial Lending / Trade Services / Credit Services.
• Sound accounting knowledge and banking product awareness.
• Fluent English communication and reporting skills.

Responsibilities

• Ensure all transactions processed accurately within SLAs and certify data integrity.
• Independently manage the customer journey through service deliveries, including pre- and post-approval activities.
• Lead process improvements and initiatives to reduce costs or increase revenue.
• Perform internal audits and strengthen controls.
• Handle escalations and manage complex projects independently.
• Manage workflow, capacity planning, and leave management for smooth operations.

Skills

Commercial / Global Credit knowledge

Lending Services experience

Data analysis

English fluency

Problem solving

Job description

Job Title: Ops Manager Credit Services

• The role is involved in managing the Commercial Banking and Global Market businesses in various markets across geographies maintaining the highest customer service level by management of workflow to ensure efficient operations of the unit, without compromising on data integrity standards. The job holder is responsible for providing consistent Credit Risk management services by minimizing risk through effective management of cost and resources and ensuring that internal audits and measures are undertaken regularly and reviewed to achieve/exceed agreed Process and Global Operating Metrics.
• Ensure processes and procedures are continually reviewed, and improved and changes are communicated for effective implementation, which is measured through reduced costs and improved revenue. Supporting the Line of business in winning new businesses, strengthening existing relationships, and carrying out financial support activity for delinquent customers by overall contributing to outstanding service quality for our internal and external clients.
• Setting high standards of self and team motivation and leadership by managing a good work environment leading to a highly committed and productive team and helping in developing staff to achieve their potential.

In this role, you will:

Principal Accountabilities and Responsibilities (e.g., for Business, Customers and Stakeholders; internal control environment, etc.)

• Responsible for ensuring all transactions are processed accurately and within agreed Service Level Agreements (SLAs), maintaining high service quality for internal and external clients. Certify data integrity and take measures to provide seamless service.
• Independently manage the entire customer journey through various service deliveries, including:
• Preapproval Activities: Credit Application Creation, Financial Spreading, and Customer Risk Rating Generation.
• Post-Approval Activities: Creation of Lending Documentation, Limit Setup, Fund Disbursement, Loan Rollovers, and Covenant Monitoring.
• Collateral Management: Input, Registration, Maintenance, Renewal, and Release.
• Credit Administration: Reconciliation, Repayment, Pricing, Fee Setup, and Collection.
• Financial Support for Delinquent Commercial Customers: Handling regulatory letters, account maintenance, liaising with debt management agencies, suppressing interest and charges, and assessing financial affordability.
• Devise strategies for the Department in achieving business targets and efficient service management. Handle workflow management, capacity planning, and leave management to ensure smooth operations.
• Conduct regular internal audits, understand the operational risk framework, and ensure adherence to audit requirements. Perform operational checks and self-audits for accuracy and quality. Proactively identify risk and strengthen controls.
• Drive continuous improvement in service quality by reviewing and refining processes. Lead initiatives to enhance work process efficiency, resulting in cost reductions and/or increased revenue. Implement and communicate changes effectively.
• Stay current with all policies, processes, and procedures, and certify compliance. Complete MI and other business data requirements accurately and timely.
• Manage escalations and resolve complex process-related issues independently.
• Independently manage complex projects and assignments.

Leadership & Teamwork

• Ensure ongoing skill development through effective use of available tools & resources, staff training, and development.
• Knowledge sharing with the team members and providing necessary guidance to the new recruits & less experienced team members.
• Develop own knowledge and expertise, sharing with colleagues and internal customers
• Identify risk and control gaps.
• Proven record in supporting and driving automation and improvement ideas in existing processes.

To be successful you will:

Functional Knowledge

• Strong SME knowledge and proven capability in Commercial / Global Credit and Lending Services is strongly preferred.
• Prior experience in Commercial Lending / Trade Services/Credit Services/Securities Processing along with relevant product and collateral knowledge is essential.
• Sound Accounting Knowledge. (E)
• Understanding of Banking Products and Securities. (E)
• Knowledge/ prior experience of Middle/ Back Office activities. (E)
• Ability to speak and understand English fluently. (E)
• Ability to write business letters and reports. (E)
• Excellent prioritizing, planning, and organizing skills. (E)
• Knowledge of, and experience in problem-solving techniques. (E)
• Ability to derive insight from large amounts of data from diverse sources. (E)
• 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***