Assistant Manager -Credit Risk

As an Assistant Manager - Credit Risk at HSBC, your role will involve contributing to the credit approval process by delivering timely and well-balanced risk decisions and recommendations within the UK CMB. Your primary responsibilities will include: - Fostering a sound common credit culture and avoiding undue risk concentrations to ensure a sustainable high-quality lending portfolio - Understanding the risk profile of lending portfolios and enhancing quality by providing concise, clear, and pertinent action/recommendations - Providing direction and guidance to coverage regions & centres while ensuring credit standards issued by internal credit policies & guidance are followed - Striving towards a balanced risk-based approach to not expose the HSBC Group to unnecessary risk - Ensuring an appropriate balance between developing quality business, maintaining a well-balanced book as to risk, observing credit standards, and being fully responsive to customer needs and the marketplace - Exercising core Approval Authority as detailed within the Department Instruction Manual and understanding all relevant limitations and policies In this role, you must also adhere to all laws, regulations, and regulatory guidance applicable to your role and promptly report any breaches in accordance with local procedures. Your determination, discipline, and diplomacy skills will be essential to persuade network colleagues of your views and work independently on credit proposals. Qualifications required for this role include: - University degree in commerce/economics/management/engineering, preference for candidates with MBA-Finance or equivalent/CA/ICWA/CS/CAIIB/CFA - 1+ years of relevant experience in handling SME/Corporates in a reputed Bank/FI - Thorough understanding of Group Lending Guidelines, corporate banking, and treasury products, as well as familiarity with specialized lending areas and latest financing structures - Ability to maintain strong relationships with Area Risk Teams, Business Team Heads, and relationship teams - Capability to provide real-time advice and guidance on credit to business teams, cope with pressure, and meet tight deadlines - Flexibility to switch roles within Wholesale Credit Risk Management in various functions & geographies at short notice if needed Join HSBC as an Assistant Manager - Credit Risk and make a real impression in the banking and financial services industry.,