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About the Role

The Business Credit Office (BCO) is a key component of the Corporate & Institutional Banking (CIB) Credit & Capital Management (CCM) operating model, acting as a partner for relationship managers and frontline bankers. This role involves leading and developing a high-performing BCO team, ensuring exemplary risk management, and overseeing credit and lending processes for specific sectors within US CIB. The position requires a strategic thinker and skilled stakeholder manager to deliver exceptional client outcomes.

Responsibilities

Leading and overseeing teams responsible for executing credit and lending servicing within the US market for Global Corporate Banking.
Ensuring alignment with regional processes and a seamless, efficient process for customers, complying with US regulatory requirements.
Monitoring and analyzing customer feedback to identify areas for improvement while aligning with regional priorities.
Collaborating with local and global stakeholders (CCM, WCR, Legal, Sector Coverage, digital channels) to implement the wholesale credit and lending strategy.
Supporting and driving governance frameworks for escalating and resolving credit and lending risks and issues.
Monitoring financial and non-financial risks related to CCM production in partnership with local Non-Financial Risk (NFR)/Business Risk.
Supporting the OKR, KPI, and SLA management framework, maintaining service management oversight for operational and control performance.
Collaborating with internal teams (CCMS Product, Design, Innovation, technology, transformation) to execute the CCM technology strategy, reduce legacy technologies, and drive innovation.
Developing and maintaining relationships with regulators, US credit review, and internal/external auditors, participating in audits and regulatory exams.
Managing multiple senior stakeholders with varied agendas, navigating complex situations, and driving alignment.
Supporting and driving the implementation of the BCO model in the US to be globally leading.
Maintaining a diverse, innovation-driven credit and lending workforce, ensuring high engagement and satisfaction.

Requirements

Bachelor’s degree in business, finance, or a related field; master’s degree preferred.
Proven experience in credit and lending, with a strong background in managing loan portfolios.
Experience with global corporates preferred, focusing on TMT, Industrials, Healthcare, or Consumer sectors.
Proven track record of leading and managing teams, with experience in organizational design and strategic planning.
Extensive stakeholder management skills, with the ability to navigate complex situations and drive alignment among senior leaders.
Advanced financial acumen and credit assessment skills, including expert judgment in transaction structuring and assessing borrower creditworthiness.
Broad knowledge of US regulatory frameworks impacting credit and lending.
Expertise in credit risk management, control assessment, and Sarbanes–Oxley Act (SOX) compliance.
Experience in driving digitization and customer experience improvement initiatives.
Excellent analytical and problem-solving skills.
Strong communication and interpersonal skills, with the ability to influence and collaborate effectively across all levels of the organization.
Ability to discuss credit with clients, negotiate terms, and build rapport with external and internal stakeholders.
Applicants must be legally authorized to work in the U.S. as HSBC will not engage in immigration sponsorship for this position.

Skills

Credit and lending expertise
Loan portfolio management
Global corporate banking
TMT, Industrials, Healthcare, Consumer sector knowledge
Team leadership and management
Organizational design
Strategic planning
Stakeholder management
Financial acumen
Credit assessment
Transaction structuring
Borrower creditworthiness assessment
US regulatory frameworks
Credit risk management
Control assessment
SOX compliance
Digitization
Customer experience improvement
Analytical skills
Problem-solving skills
Communication skills
Interpersonal skills
Negotiation skills
Client relationship building
Artificial Intelligence (AI)
Analytics

Location

Work Type

Full-time

Experience Level

Senior level

Education Level

Bachelor's degree in business, finance, or related field
Master's degree preferred

Benefits

Tailored professional development opportunities
Competitive pay and benefits package
Robust Wellness Hub
Welcoming and inclusive work environment
Employee Resource Groups
Industry-leading volunteerism policy
Generous matching gift program
Comprehensive program of immersive Sustainability and Climate Change Initiatives

About the Company

HSBC's purpose is 'Opening up a world of opportunity', using expertise, capabilities, breadth, and perspectives to create opportunities for over 40 million customers.
The company brings together people, ideas, and capital to nurture progress and growth, aiming to create a better world for customers, employees, investors, communities, and the planet.
The Business Credit Office (BCO) is a key component of the Corporate & Institutional Banking (CIB) Credit & Capital Management (CCM) end-to-end operating model.
The BCO acts as a partner and single point of engagement for relationship managers and frontline bankers for credit and lending.
It provides credit and credit risk expertise and execution to clients and centralized credit oversight, working closely with credit risk and approval partners.
The BCO function is client-facing and customer service oriented.

Equal Opportunity

All qualified applicants will receive consideration for employment without regard to age, ancestry, color, race, national origin, ethnicity, disability or medical condition, genetic information, military or veteran service, religion, creed, sex, gender, pregnancy, childbirth, caregiver status, marital status, citizenship or immigration status, sexual orientation, gender identity or expression or any other trait protected by applicable law.