Some careers have more impact than others.
If you’re looking for a career where you can make a real impression, join HSBC and discover how valued you’ll be. Whether you want a career that could take you to the top, or simply take you in an exciting new direction, HSBC offers opportunities, support and rewards that will take you further.
HSBC Corporate and Institutional Banking is a markets-led, financing-focused business that provides investment and financial solutions. Our sector-focused Banking relationship managers provide a single coverage point for multi-national clients. With our global capabilities and footprint, vast expertise, and local knowledge, our Global Network Banking teams connect clients to the products and services that meet their international financial needs.
We are currently seeking a high calibre professional to join our team as a Head of Commercial Real Estate, Consumer and Healthcare, BCO - Singapore.
In this role you will need:
Responsible for the delivery of BCO tasks in line with agreed OKRs, SLAs and KPIs
Lead and manage the end-to-end C&L journey, ensuring a seamless and efficient process for customers and internal stakeholders.
Continuously drive improvement in productivity of the BCO team whilst enhancing client experience.
Drive adoption of technology/digital and customer experience improvement initiatives, aligning with a global C&L operating model.
Monitor and analyse customer and stakeholder feedback, identifying key areas of focus to improve customer outcomes.
Work with the Head of BCO to ensure risks and issues related to C&L are escalated to country, regional and global stakeholders and resolved in a satisfactory manner.
Drive continuous improvement initiatives across credit analysis activities to deliver a high and consistent standard, including training initiatives across the teams
Ability to build and maintain strong relationships across the teams, including credibility with both Business and Risk teams.
Develop and maintain a diverse, innovation-driven BCO team, ensuring high levels of engagement and satisfaction
Participate in deal discussions and meetings with clients or credit risk as required.
Protect the Bank by acting as First Line of Defence and observing all controls.
Identify and anticipate all types of risks (e.g., industry, portfolio, diversification, sovereign, commercial, currency, etc.) and identify micro and macro trends impacting the credit portfolio, working with WCRM and business heads to take appropriate steps in changes to underwriting criteria and conducting rapid portfolio reviews.
Demonstrates ability to engage in constructive and consistent dialogue with risk partners, in a manner that effectively balances commercial outcomes and risk management
Work with the Head of BCO 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
Provide leadership and direction to respective BCO team, fostering a sense of unity and purpose.
Lead, develop, motivate and inspire a high caliber-BCO team.
Develop critical skillsets in team members and provide a stimulating work environment to retain key talent.
Champion the voice of the RM and customer and build a culture of balancing commercial and client/customer outcomes.
To be successful you will need:
Bachelor’s degree in business, Finance, or a related field
Extensive experience in C&L, with a strong background in managing loan portfolios.
Prior exposure toindustry sectors such asCommercial Real Estate, Consumer and Healthcare will beconsidered a strong advantage.
Proven track record in leading and managing teams, with experience in organisational design and strategic planning,
Strong stakeholder management skills, with the ability to navigate complex situations and drive alignment among senior stakeholders.
Expertise in credit risk management and control assessment
Excellent analytical and problem-solving skills, with the ability to articulate customer feedback and distil key areas of focus.
Proven ability managing in a large and complex operational environment.
Strong commercial mindset
Excellent communication and interpersonal skills, with the ability to influence and collaborate effectively across all levels of the organization.
Working knowledge of operationalising policies and procedures for managing or minimising risk – including credit, operational, regulatory and reputational risk – in accordance with the Group Standards Manual, Risk FIM, relevant guidelines and standards
Proven collaboration and coaching skills.
Strong relationship management and influencing skills, interpersonal and communication skills with a proven ability to communicate effectively and confidently at all levels.
Opening up a world of opportunity for our customers, investors, ourselves and the planet.
We're a financial services organisation that serves more than 40 million customers, ranging from individual savers and investors to some of the world’s biggest companies and governments. Our network covers 58 countries and territories, and we’re here to use our unique expertise, capabilities, breadth and perspectives to open up a world of opportunity for our customers.
HSBC is listed on the London, Hong Kong, New York, and Bermuda stock exchanges.
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