Job Description
The health and safety of our employees and candidates is very important to us. Due to the current situation related to the Novel Coronavirus (2026-nCoV), we're leveraging our digital capabilities to ensure we can continue to recruit top talent at the HSBC Group. As your application progresses, you may be asked to use one of our digital tools to help you through your recruitment journey. If so, one of our Resourcing colleagues will explain how our video-interviewing technology will be used throughout the recruitment process and will be on hand to answer any questions you might have
Some Careers grow faster 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.
HSBC is one of the largest banking and financial services organizations in the world, with operations in 64 countries and territories. We aim to be where the growth is, enabling businesses to thrive and economies to prosper, and, ultimately, helping people to fulfil their hopes and realize their ambitions.
We are currently seeking an experienced professional to join our team in the role of Manager, Approvals – Wholesale Credit Risk for Kolkata
Responsibilities :
• To contribute to the credit approval process by providing concise, well-reasoned approvals (and Declines) within appropriate time scales.
• Be responsible for implementing credit risk policies, procedures and standards set out in the GSM, Credit & Risk BIM and Global Wholesale Risk FIM
• Be responsible for managing and mitigating operational risks in their day to day operations. In executing these responsibilities, the Group has adopted risk management and internal control structure referred to as the 'Three Lines of Defence'. The jobholder should ensure they understand their position within the Three Lines of Defence, and act accordingly in line with operational risk policy, escalating in a timely manner where they are unsure of actions required
• To ensure all Basel 2/3 regulations are enacted as 'Business as Usual' by adhering to the banks agreed processes/ procedures and achieving a satisfactory Audit report
• To contribute to the profitability of the HSBC Group and minimize loan losses by ensuring when reviewing proposals, that they meet the HSBC Group's risk appetite and that risk is minimized and returns maximized
• To maintain HSBC internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators Requirements
• Academics – University degree in commerce/ economics/ management/ engineering. Preference will be given to the candidates holding MBA-Finance or equivalent/ CA/ ICWA/ CS/ CAIIB/ CFA etc.
• Experience – 4-5+ years of relevant experience in handling SME/Corporates in a reputed Bank/ FI.
• Strong analytical and technical skills, with the ability to understand and consolidate diverse and intricate business information and identify and mitigate risk issues
• Eye for conducting detailed due diligence given the complexities involved, and at the same time be change-oriented given the evolving market and nature of the transactions
• Demonstrate commercial credit skills, not only on a transaction basis but also credit process management
• General knowledge of law, accounting and regulatory requirements
• Knowledge of the HSBC Group, particularly CMB, its operations and products and credit policies and processes A good knowledge of CARM and proven history of effective credit decisions (for internal candidates only) Evidence of cultural awareness and sensitivity
• Strong verbal & written communication skills
• Excellent time and organizational management and evidence of resilience under pressure
What additional skills will be good to have?
• Ability to operate effectively in stressful, and sometimes urgent, situations
• Be capable of giving a decision within reasonable response times.
• Able to work independently but be capable of providing clear judgment, support and guidance.
• Positive management of internal and external reputation
• An awareness of relevant regulatory and legal protocols
• Maintenance of professional standards.
• Should have the capability & flexibility to switch roles within Wholesale Credit Risk in various functions & geographies at short notice if needed and thus be a fungible resource
You'll achieve more at HSBC
HSBC is an equal opportunity employer 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. We encourage applications from all suitably qualified persons irrespective of, but not limited to, their gender or genetic information, ****** orientation, ethnicity, religion, social status, medical care leave requirements, political affiliation, people with disabilities, color, national origin, veteran status, etc., We consider all applications based on merit and suitability to the role
Some Careers grow faster 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.
HSBC is one of the largest banking and financial services organizations in the world, with operations in 64 countries and territories. We aim to be where the growth is, enabling businesses to thrive and economies to prosper, and, ultimately, helping people to fulfil their hopes and realize their ambitions.
We are currently seeking an experienced professional to join our team in the role of Manager, Approvals – Wholesale Credit Risk for Kolkata
Responsibilities :
• To contribute to the credit approval process by providing concise, well-reasoned approvals (and Declines) within appropriate time scales.
• Be responsible for implementing credit risk policies, procedures and standards set out in the GSM, Credit & Risk BIM and Global Wholesale Risk FIM
• Be responsible for managing and mitigating operational risks in their day to day operations. In executing these responsibilities, the Group has adopted risk management and internal control structure referred to as the 'Three Lines of Defence'. The jobholder should ensure they understand their position within the Three Lines of Defence, and act accordingly in line with operational risk policy, escalating in a timely manner where they are unsure of actions required
• To ensure all Basel 2/3 regulations are enacted as 'Business as Usual' by adhering to the banks agreed processes/ procedures and achieving a satisfactory Audit report
• To contribute to the profitability of the HSBC Group and minimize loan losses by ensuring when reviewing proposals, that they meet the HSBC Group's risk appetite and that risk is minimized and returns maximized
• To maintain HSBC internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators Requirements
• Academics – University degree in commerce/ economics/ management/ engineering. Preference will be given to the candidates holding MBA-Finance or equivalent/ CA/ ICWA/ CS/ CAIIB/ CFA etc.
• Experience – 4-5+ years of relevant experience in handling SME/Corporates in a reputed Bank/ FI.
• Strong analytical and technical skills, with the ability to understand and consolidate diverse and intricate business information and identify and mitigate risk issues
• Eye for conducting detailed due diligence given the complexities involved, and at the same time be change-oriented given the evolving market and nature of the transactions
• Demonstrate commercial credit skills, not only on a transaction basis but also credit process management
• General knowledge of law, accounting and regulatory requirements
• Knowledge of the HSBC Group, particularly CMB, its operations and products and credit policies and processes A good knowledge of CARM and proven history of effective credit decisions (for internal candidates only) Evidence of cultural awareness and sensitivity
• Strong verbal & written communication skills
• Excellent time and organizational management and evidence of resilience under pressure
What additional skills will be good to have?
• Ability to operate effectively in stressful, and sometimes urgent, situations
• Be capable of giving a decision within reasonable response times.
• Able to work independently but be capable of providing clear judgment, support and guidance.
• Positive management of internal and external reputation
• An awareness of relevant regulatory and legal protocols
• Maintenance of professional standards.
• Should have the capability & flexibility to switch roles within Wholesale Credit Risk in various functions & geographies at short notice if needed and thus be a fungible resource
You'll achieve more at HSBC
HSBC is an equal opportunity employer 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. We encourage applications from all suitably qualified persons irrespective of, but not limited to, their gender or genetic information, ****** orientation, ethnicity, religion, social status, medical care leave requirements, political affiliation, people with disabilities, color, national origin, veteran status, etc., We consider all applications based on merit and suitability to the role
💡 Quick Summary
Seeking a career-building opportunity? The Manager| Approvals | Wholesale Credit Risk GSC|s position is now open for candidates interested in the Bank Jobs sector. This role in Kolkata offers a professional environment and growth potential.
Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in Bank Jobs is a plus.