Regional Head of Wholesale Credit Analysis Unit

Job description

The role holder will lead the Wholesale Credit Analysis Unit (CAU) on behalf of the Wholesale Business, reporting into the Head of Wholesale Client Services, ASP. The role is part of the Wholesale Client Services function and will reside within the recently established Wholesale COO.

The Wholesale COO construct has been brought together in line with HSBC investor commitments in February 2020, and as a result this is an opportunity to shape a key component of HSBC’s future state. This role will play a key part in bringing together existing CMB Middle Office and GB Client Operations teams to create a single Wholesale Client Services function. As part of this significant programme of change, the role holder is expected to re-design and rationalise the unit, leveraging technology, to drive improvement in client experience and simplify our customer journeys.

The role holder will lead the existing Credit Analysis Unit that supports Global Banking, providing strong oversight and support for both on and offshore resources to complete the provision of credit analysis, facility applications, credit review and associated management information services across Corporate and Institutional Banking clients. In addition, the role holder will define the strategy for the target Wholesale Credit Analysis Unit within the region, as well as implement simplification and transformation initiatives to improve on the end to end customer journeys.

Working in conjunction with the Global Head of Credit Analysis Unit and key stakeholders covering GB and CMB businesses, Wholesale Market and Credit Risk, Wholesale Credit Services and Risk Stewards, the role holder will have the opportunity to set the strategic direction for the regional team.

• Leading the regional Wholesale Client Services Credit Analysis Unit accountable for the provision of credit analysis, facility applications, credit review and associated management information services across Corporate and Institutional Banking clients.
• Closely managing the annual review work load and encouraging deep collaboration between CAU, RMs, Credit Risk, and Wholesale Client Services.
• Maintaining a flexible operating model ensuring new business transactions are consistently prioritized effectively to exploit revenue generating activities, and credit annual renewals are serviced in a quality and timely manner.
• Ensure relationships between CAU, Client Onboarding, Credit Risk, and RMs are strategically forward looking, highly collaborative and productively engaged towards mutual business outcomes.
• Provide the highest quality, forward looking and professional Credit Analysis to the business for the existing client portfolios and new business transactions, and ensure oversight across the end to end customer journey.
• Develop and manage a forward looking and strategic relationship with the business across sectors to ensure work load is considered well in advance, resources are effectively deployed and overdues are controlled within KPIs.
• Ensure CAU’s management of Funds, FIG and Corporates (onshore and offshore if applicable) is developed with business development objectives in mind, timely delivery of services, appropriate controls, thorough documentation and a high degree of data integrity. Review and engage with stakeholders to formulate and deliver a best in class Credit Risk Management and control environment, observing group policy and procedure documents at all times.
• Building and optimising a future state Wholesale Credit analysis model which delivers a commercial, client and cost-aligned service model that maximises offshore/GSC footprint and a best in class Client Service experience.
• Regional ownership for soliciting, and responding to, client experience feedback.
• Definition and ownership of the KPI and SLA management framework, including direction of analysis to identify trends and areas of performance concern.
• Standardising roles and responsibilities of the function across sites and driving alignment and simplification of performance / process.
• Developing and communicating a powerful and compelling vision for the regional Credit Analysis Unit that inspires and engages people with HSBC values and goals as the basis of an inclusive, high performance, customer-centred culture.
• Providing regional leadership and direction to all CAU resources; across the regional and country structures, driving consistency of client / customer experience.
• Leading, developing and providing a stimulating work environment for teams to attract key talent and develop critical capability to provide for succession and ensure delivery of business objectives.
• Provide clear and thoroughly considered guidance to the CAU team to ensure any revision to operating practices or processes is appropriately agreed by all stakeholders and communicated effectively, therefore avoiding risk of any misinterpretation, ensuring a consistently high standard of finished product is achieved, and exceeding stakeholder expectations.

• Thorough understanding of the Group and the GB and CMB businesses, including products, propositions, services, systems, sales process, relationship management models, the financial services landscape and competitor developments.
• Able to think strategically from a business perspective and be capable of challenging existing practices / data to develop and build a clear strategy for the region.
• Strong knowledge of the external environment – understanding the impact on HSBC and the Financial Services industry from governments, regulators, media and investors, and supporting key executives.
• Strong knowledge of operationalising policies and procedures for managing or minimising risk – including credit, operational, regulatory and reputational risk – in accordance with the accordance with the Group Standards Manual, Risk FIM, & relevant guidelines & standards.
• Highly developed understanding of end to end credit analysis customer journey in Commercial and Global banking.
• Successful experience in developing and retaining critical talent and building an effective leadership team.
• Proven ability in analytical rigour, including being able to contextualise data into business activities and conclusions.
• Exposure to Middle Office technology such as Client Vision, CARM and other HSBC systems such as HUB, HORIS.
• Experience of managing credit analysis activity within operations with a clear understanding of the likely risk landscape and how best to build effective controls across the client lifecycle.
• Experienced change leader with proven experience of sponsoring complex change across multiple markets, ensuring successful adoption and delivering outcomes.
• Experience of Agile working and process optimisation activity is highly desirable.
• Outstanding organisational and planning skills with experience of management of multiple complex programmes/business transformations, with knowledge on when and how to re-prioritise, or escalate as required.
• Strong commercial mindset to ensure build, interlock and oversight of all associated cost, budget, FTE and Governance related to multiple programmes of work.
• Ability to deliver results in an environment with increasing regulation having an impact on operational performance times and client experience.
• Advanced leadership, management, collaboration and coaching skills with experience of leading and directing cultural change within a large organisation.
• Proven problem solving skills with ability to consider alternative and innovative solutions.
• Strong relationship management and influencing skills, outstanding interpersonal and communication skills with a proven ability to communicate effectively and confidently at all levels.
• Proven ability managing in a large and complex operational environment; experienced at leveraging key tools (ex. Lean Six Sigma, Agile) to drive client focused performance.
• Proven experience in delivering against aggressive deadlines while working across the matrix of multiple functions and businesses.
• Ability to work under pressure and with conflicting and rapidly changing priorities, together with a willingness to work outside of standard hours to satisfy global time zones, and travel as required.

At HSBC, we expect our people to treat each other with dignity and respect, creating an inclusive culture that promotes equal opportunity. Our values define who we are as an organization and what distinguishes us, we value difference, we move forward together, we take responsibility for our actions, we use good judgment, we do the right thing and we make things happen.

“At HSBC we offer our colleagues a greater number of days so that they can fully enjoy their wedding, take care of the new member of the family, or grieve the loss of a family member. Our paid leave package is at the forefront in Mexico, now you have one more reason to be HSBC and proudly live a culture of well-being, balance and care.”

At HSBC we are focused on guaranteeing gender equality and constant training for our employees as well as the protection of their labor and social rights.