At HSBC, our purpose is opening up a world of opportunity and by joining our team, you can be part of something bigger We are committed to removing barriers and ensuring careers at HSBC are inclusive and accessible.

Here in France, you’ll help evolve and grow the Wholesale business. Are you curious and motivated for a challenge? Do you have an interest in Credit Analysis? Do you enjoy working in a multicultural and fast-paced environment? If you answered yes to any of these questions, we want to hear from you

What you will do:

The Credit Analysis Unit (“CAU”) team works closely with Global Relationship Bankers/Relationship Managers (RMs) to support in the assessment and submission of credit proposals for their borrowing names for designated Wholesale clients following a Wholesale CAU Target Operating Model (‘TOM’).
By managing the credit-related work load and encouraging deep collaboration between Credit Analysis Unit global/regional teams, RMs, Credit Risk, and Client Servicing where required, the Credit Analysis Unit maintains a flexible operating model ensuring credit work for new business transactions are consistently and effectively prioritized to support revenue generating activities, and credit annual renewals are serviced in a timely manner and to a standard that meets or exceeds HSBC standards.
CAU also assist the Business and WCOO requirements with agreed credit-related tasks pertaining to their clients’ credit life-cycle.

In this role you will:

The role of Associate Director, WCOO will manage a team of onshore credit analysts alongside oversight of all CAU related credit deliverables for a designated portfolio covered by both the CAU onshore team and offshore in the CAU GSC.
The role holder will ensure the quality and timeliness of portfolio credit related deliverables, represent 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 support and drive change and transformation requirements for the onshore teams activities aligned to current and future state TOM together with alignment of allocated CAU offshore teams to France/CE requirements.
The role holder may be required to cover credit risk management (renewals and/or new monies) for identified clients as necessary to assist with MNPI or complex credit situations on an ad hoc basis.
The role holder will represent credit operational matters alongside Risk and Business on new and existing policy, transformation and regulatory implementation.

The Associate Director, WCOO will have a range of functional responsibilities including management and leadership responsibility, provision of credit application and associated credit-related tasks as well as support with functional oversight and management of credit deliverables and credit management issues for the Business on behalf of WCOO/WCS supporting the Regional HeadManage 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 requirementsContribute positively on credit matters for WCOO (incl WCS and WCLS) through Value Stream management and strategic change programmesAs 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.Assist with credit related issues and queriesAssist in line management in identifying process improvements in the area of responsibility to minimize costs and operational risks.