Business Credit Office Manager

HSBC; Kuala Lumpur; On-site; MYR 125,000 - 150,000; Full time

Job summary

A global financial services company in Kuala Lumpur is seeking a Business Credit Office Manager to provide credit management support, ensure compliance with internal controls, and manage stakeholder relationships. Ideal candidates should have a degree in finance, 5-8 years of corporate lending experience, and strong analytical skills. This role will also involve driving efficiency and process improvement in credit management.

Qualifications

• 5-8 years of corporate lending experience with strong analytical skills and sound credit knowledge.
• Strong understanding of various financing instruments and banking products for Wholesale Banking.
• Clear understanding of the Group credit risk principles, policies and statutory compliance.

Responsibilities

• Own the end-to-end Credit & Capital Management servicing journey.
• Build and maintain strong relationships across teams.
• Protect the Bank by acting as First Line of Defence and adhering to all controls.

Skills

Analytical skills

Stakeholder management

Communication skills

Education

Bachelor’s degree in business, finance, or a related field

Job description

Some careers grow faster than others. Our COO team delivers strategic execution for Corporate and Institutional Banking (CIB) across the globe. Through transformative data and digital solutions, customer servicing, and non-financial risk expertise, this team is where problems are solved, and careers are made.

CIB COO focuses on these key priorities:

• Protecting the bank, our customers and stakeholders by enhancing operational resilience, strengthening our control environment, and improving risk management.
• Driving operational excellence and efficiency by optimizing our processes and delivering the transition to net zero in our own operations.
• Enabling business growth and exceptional service by enabling our businesses to focus on our competitive advantage and deliver transformation and digitisation across the bank.

We are now inviting qualified individuals to join this team in the role of Business Credit Office Manager

Role Purpose

Credit & Capital Management (CCM) under CIB are in the process of implementing a new, modern, and consistent end‑to‑end operating model. A key component of this operating model is the introduction of a first line credit management office (the Business Credit Office).

The BCO function will complete tasks including structuring, credit analysis and rating recommendation, client credit monitoring tasks, credit terms and documentation negotiation with WCMR and clients acting as a single handoff from a Relationship Manager (RM) to the BCO for all CCM tasks, creating a single control point.

The BCO Manager provides credit management support to RMs / Coverage and facilitates client review and renewal activities, and is responsible for carrying out customer outreach, research, financial and credit analysis on behalf of the RMs, ensuring exemplary risk management acumen and control standards are embedded within the end‑to‑end CCM process. The manager must ensure a common, reliable, and predictable underwriting and lending process that protects the business from exposure while responding to clients’ borrowing needs. They are also responsible for coordination and completion of credit applications or renewals and risk escalation management. The role holder will report to the BCO Team Lead and will work closely with the Coverage and Transaction Support teams to ensure a seamless customer experience and consistency of service for all customers.

The BCO manager will need to be an effective collaborator and skilled stakeholder manager, successfully navigating a complex landscape to deliver exceptional outcomes for our customers and stakeholders.

Principal Accountabilities

• Responsible for the delivery of BCO tasks in line with agreed OKRs, SLAs and KPIs.
• 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 and requisite returns on risk.
• Continuously drive improvement in productivity while enhancing client experience.
• Adopt technology and customer experience improvement initiatives, including alignment to a globally consistent CCM operating model.
• Participate in deal discussions and meetings with clients or credit risk as required.
• Strong execution and implementation ability.
• Build and maintain strong relationships across teams, including credibility with both Business and Risk leaders.
• Protect the Bank by acting as First Line of Defence and adhering to all controls.
• Maintain HSBC internal control standards, including timely implementation of internal and external audit recommendations and addressing any issues raised by external regulators.
• Demonstrate ability to engage in constructive and consistent dialogue with risk partners, effectively balancing commercial outcomes and risk management.
• Work with the BCO Team 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.

Qualifications

• Bachelor’s degree in business, finance, or a related field.
• 5‑8 years of corporate lending experience with strong analytical skills and sound credit 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 compliance.
• Strong commercial mindset.
• Strong communication and interpersonal skills, with the ability to influence and collaborate effectively across all levels of the organization.

Due to the urgent hiring need, candidates with immediate right to work locally and no relocation needed will be prioritised.