Wholesale Credit Risk Manager

HSBC; Kuala Lumpur; On-site; MYR 150,000 - 200,000; Full time

Job summary

A leading bank in Malaysia is seeking an experienced Wholesale Credit Risk Manager. This role involves managing all credit and risk-related aspects to support the bank's growth objectives while ensuring compliance with risk structures. Candidates must have a graduate degree in Business Administration or Finance and a minimum of five years of banking experience at the executive level. Strong interpersonal and communication skills are crucial for success in this position.

Qualifications

• Minimum five years of banking experience at executive level.
• At least one year of exposure in corporate/commercial banking.
• Exposure in credit risk is an added advantage.

Responsibilities

• Manage all credit and risk-related aspects.
• Support business growth plans and ensure compliance.
• Contribute to overall effectiveness of the risk control function.

Skills

Interpersonal skills

Communication skills

Technical skills

Risk management

Education

Graduate degree in Business Administration or Finance

Job description

Overview

Global Risk is a thriving and expert risk management function supporting HSBC globally with all aspects of risk management. The team actively manages a varied and dynamic range of risk types, including security, fraud, information security, operational, credit, pension, insurance, compliance, regulatory, market, reputation and geopolitical risks. All parts of the Global Risk team use their skills, insight and integrity to handle established threats and emerging risks, acting to protect and enable HSBC to deliver sustainable growth.

We are currently seeking an experienced professional to join this team in the role of Wholesale Credit Risk Manager.

Responsibilities

• Actively supports the organization in managing all credit and risk related aspects by ensuring HBMY/HBMS/LBU objectives are met via implementation of the Country Risk Plan by developing and maintaining credit structures that achieve a manageable level of credit risk as well as early identification of potential non‑performing advances so as to maximize profitability and minimize losses for the Bank. There is also a significant focus on ensuring that business growth plans are met and that individual approvers play a consistent, visible and meaningful role in enabling this.
• This role also covers HBMS and in that regard the performance is assessed on the basis of KPIs specific to HBMS as listed in the current PLA. The job holder is also accountable for applicable Shariah risk related controls.

Impact on the Business / Function

• Contributes to achievement of the Bank’s targets by processing, evaluating and approving all credit applications expeditiously within own limits and recommending upwards those which are beyond delegated limits.
• Promotes credit quality through timely and forward‑looking risk reviews and contributes to early detection of weak/deteriorating credits.
• Re‑balancing the Bank’s loan portfolio by implementing HBMY/HBMS/LBU to realign new advances and resources to the “Grow” sectors and reduce exposures to the “Restricted or Controlled” sectors, ensuring compliance within the Country Risk Plan. Implementing guidelines received from APH Risk on credit quality/ issues, profitability, sectors and procedures.
• To ensure a high level of self‑awareness around the transaction approval process focusing on material items while recognizing that commerciality and speed to market is important.
• Provides support/guidance to the development of Relationship Manager’s by identifying and mitigating risks in credit proposals.
• Improves quality of CARM write‑ups by proactively engaging Relationship Manager’s effectively, enhancing credit turnaround time.
• Be fully engaged around growth plans by ensuring active dialogue in pipeline meetings, whitelisting and customer visits, and be conscious of creating positive rather than negative tension.

Leadership & Teamwork

• Contributes to the development of RM’s through coaching/counselling by effective use of relevant appraisal schemes and continual feedback.
• Proactively identifies opportunities for process improvement and better engagement with Business stakeholders.
• Consistently demonstrates a mature and independent approach to problem solving and a “big picture” view on organization objectives.

Operational Effectiveness & Control

• Contributes to the effectiveness of the risk control function and minimizes losses.
• Ensures that audit and control recommendations are implemented in full.
• Continually re‑assesses the Operational Risk inherent in the business by taking into account changing economic or market conditions, legal and regulatory requirements, operating procedures and practices, management restructuring and the impact of new technology.
• Full compliance with data/MI reporting obligations (e.g. App Tracker).
• Compliance with Global Standards and FCC.

Qualifications

• Graduate degree in Business Administration, Finance or a related field;
• Minimum five years of banking experience at executive level with at least one year exposure in corporate/commercial banking.
• Good interpersonal, communication and technical skills required.
• Exposure in credit risk would be an added advantage;
• Professional competence which helps to determine solutions around appropriate risk measures, risk processes, risk monitoring and management.

Hiring Notes

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

EEO Statement

HSBC is 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.

Personal data held by the Bank relating to employment applications will be used in accordance with our Privacy Statement, which is available on our website.

Issued by HSBC Bank Malaysia Berhad.