Associate Director Credit Analytics Unit

Associate Director

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HSBC Commercial Banking serves millions of businesses ranging from small, to large corporates, providing commercial customers with a full range of banking services including Global Trade and Receivables Finance, RMB solutions, multi-currency business accounts, payments and cash management, and wealth management and insurance, as well as a comprehensive range of financing solutions. With dedicated Relationship Managers and Product Specialists providing local support and advice in over 60 countries and territories, HSBC helps connect customers to opportunities.

As an HSBC employee in the UK, you will have access to tailored professional development opportunities and a competitive pay and benefits package. This includes private healthcare for all UK-based employees, enhanced maternity and adoption pay and support when you return to work, and a contributory pension scheme with a generous employer contribution.

Associate Director

The role of Associate Director, Credit Analysis Unit provides CAU oversight and day to day management support of the CAU Corporate and FIG functional deliverables as well as deputizing for the Regional Head on wider European credit-matters on an ad hoc basis. The role will ensure the quality and timeliness of deliverables representing governance and controls at management forums where needed as well as act as a Subject Matter Expert (“SME”) and point of escalation for onshore and offshore analysts alike for input and resolution on more complex risk matters and process issues engaging positively with WMR and Business stakeholders. The role holder will also assist with credit risk management (renewals and/or new monies) for identified clients and work with onshore and offshore CAU management as necessary to assist with MNPI or complex credit situations where required. The role holder will represent credit operational matters alongside Risk and Business on new and existing policy, transformation and regulatory implementation.

In this role you will be:

- Manage periodic and ad hoc reporting for Credit Analysis Unit as required in covering key credit issues for the WCOO/WCS and the Business and in line with evolving credit management requirements.
- Contribute positively on credit matters for WCOO (incl WCS and WCLT) strategic change programmes
- As a Risk SME, the role holder will also provide clear and thoroughly considered guidance to RMs as well as Onshore and Offshore Credit Analysts alike as required or relevant for more complex Risk matters or as a point of escalation. The role holder will also enable consistent communication of any operating practices or processes changes as appropriately to stakeholders to avoid the risk of any misinterpretation, ensuring a consistently high standard of finished product is achieved for the Italy and stakeholder expectations are exceeded.
- Assist with credit related issues and queries.
- Assist in line management in identifying process improvements in the area of responsibility to minimize costs and operational risks.
- Oversight and management support of CAU functional deliverables meeting the requirements of WCOO/WCS, Business and WMR stakeholders. Promote positive engagement between offshore CAU and onshore CAU, the RM teams and WMR including ongoing functional governance and representation at management forums and transformation programmes.
- Provide high quality, forward looking and professional Credit analysis and Credit-associated tasks for specific clients which either meets or exceeds HBSC standards and is at all times aligned with pertinent HSBC global and local policies and procedures.
- Be a Credit Risk Subject Matter Expert (“SME”) for RMs and WCOO and WCL for credit policy and clients’ credit lifecycle, thereby reducing touch-points for problem resolution in matters relating to credit risk, promotes a responsive, results-oriented team and reduces day to day administrative or operational time for coverage teams. Engaging on policy and process issues to ensure the best outcomes for operational effectiveness.

Requirements

The job holder is accountable for:

- Banking experience required, with a credit risk discipline strongly preferred.
- Excellent analysis, design and problem solving skills.
- Strong commercial and financial management experience with a proven track record in a service company type model.
- Highly developed negotiation and interpersonal skills.
- Able to deal with and constructively resolve conflicting views and where necessary, escalate to senior management in a clear and succinct m