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About the Role

The Country Head of CCM Services & Lead BCO is responsible for overseeing and leading Credit and Capital Management products, processes, services, and risk management across their country. This role supports the ambition to be the world’s #1 Corporate & Institutional Bank by improving Credit and Capital Management processes to drive better customer outcomes and enable growth.

Responsibilities

• Ensuring CCM OKRs are achieved for their respective market
• Lead the execution and implementation of the BCO function, to efficiently manage the underwriting process across country CIB.
• Take a lead in managing the portfolio and risk exposure partnering with banking teams and WCRM to determine and monitor risk appetite
• Drive policy and procedure simplification / optimization to make the underwriting process more effective with a focus on value-add activities and creating risk differentiated processes
• Continuously focus on improving the productivity of the function whilst enhancing client experience
• Providing oversight to outsourced credit & capital management services
• Landing an ambitious multi-year transformation journey within their market
• Implementing the Target CCM Services Operating Model and delivering financial targets associated with its’ implementation in the market
• Leading risk and control management across the end-to-end process
• Manage CCM COO FRP, budgeting and planning processes for the market
• Land locally the transformation and digitisation of the CCM COO journey and lead local initiatives to improve and re-engineer processes for the market
• Monitor and analyse customer feedback, identifying key areas of focus to significantly improve customer outcomes for the market
• Represent CCM Services in front of market stakeholders and at market forum
• Unify and provide direction to a dislocated set of smaller teams, fostering a sense of unity and purpose and embed the Target CCM services operating model
• Develop and maintain a diverse, innovation-driven credit and lending workforce, ensuring high levels of engagement and satisfaction.
• Oversee and execute the delivery of CCM services in-country (where required), ensuring alignment with regional processes and a seamless and efficient process for customers
• Monitor and analyse customer feedback within the market, identifying local areas of focus to improve customer outcomes while ensuring alignment with regional and global priorities.
• Collaborate with global stakeholders, including technology, CCM, WCRM, Legal, the global business Coverage teams, digital channels and products to implement the overall strategy for the wholesale credit and lending journey.
• Implement governance frameworks to ensure risks and issues related to the Credit & Lending journey are escalated to regional, and global stakeholders and resolved in a satisfactory manner.
• Act as the local Business Service Owner for Credit & Lending across CIB, ensuring service resilience.
• Manage and execute local end-to-end processes for Credit & Lending on behalf of the CIB Business.
• Monitor and manage local risk and controls across the end-to-end controls, meeting all SOX obligations.
• Support the OKR, KPI and SLA management framework within the market, maintaining service management oversight pertaining to both operational and control performance across all CCM CTB & RTB services end-to-end.
• Collaborate with the CCMS Product, Design and Innovation Pillar, technology and transformation teams to execute the technology strategy for CCM, reduce legacy technologies, and drive a culture of innovation by developing cutting-edge automation, capability, and business solutions leveraging next-gen technologies, AI, and analytics.
• Manage multiple senior stakeholders with varied and sometimes conflicting agendas, effectively navigating complex situations and driving alignment.
• Maintain a diverse, innovation-driven credit and lending workforce, ensuring high levels of engagement and satisfaction.

Requirements

• Extensive years of experience in wholesale credit and lending, with a strong background in coverage, credit management or operations
• Proven track record of leading and managing teams, with experience in organizational design and strategic planning.
• Strong stakeholder management skills, with the ability to navigate complex situations and drive alignment among senior leaders.
• Expertise in credit risk management, control assessment, and SOX compliance.
• Experience in driving digitisation and customer experience improvement initiatives.
• Excellent analytical and problem-solving skills, with the ability to consume large volumes of customer feedback and distil key areas of focus.
• Strong communication and interpersonal skills, with the ability to influence and collaborate effectively across all levels of the organization.
• Great team player with a positive attitude, energy and enthusiasm.
• Promote a collective culture to spread experience and best practice and live the Group Values.
• Give timely, honest and constructive feedback to others.
• Promotes innovative and lateral thinking approach for devising solutions.
• Bring thought leadership and governance around the internal and external lending ecosystem.
• Deliver fair outcome for our customers and ensure own conduct maintains the orderly and transparent operation of financial markets.
• Highly effective communication skills (oral, written and presentational)
• Ability to work accurately and achieve tight deadlines with limited supervision
• Self-motivation, and a proven rapid learning capability in a changing environment are essential
• Committed to personal and professional development

Skills

• Credit and Capital Management products
• Credit Management
• Product Risk (FR/NFR)
• Transformation
• Data Management & Control
• CCM Technology
• CCM Operations
• Risk Management
• Underwriting
• Lending
• Client Relationship Management
• Risk Management
• Organizational design
• Strategic planning
• Stakeholder management
• Credit risk management
• Control assessment
• SOX compliance
• Digitisation
• Customer experience improvement
• Analytical skills
• Problem-solving skills
• Communication skills
• Interpersonal skills
• Teamwork
• Innovation
• Thought leadership
• Governance
• Technology strategy
• Automation
• AI
• Analytics

Experience Level

• Extensive years of experience

About the Company

• HSBC Corporate and Institutional Banking is a markets-led, financing-focused business that provides investment and financial solutions.
• Through our international network, we connect emerging and mature markets, covering key growth areas.
• We partner with our corporate, government and institutional clients to help them achieve consistent, long-term performance.
• Our products and services include advisory, financing, prime services, research and analysis, securities services, trading and sales and transaction banking.