Head of CCM Services and Lead BCO

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.

We are currently seeking a high calibre professional to join our team as a Country Head of CCM Services & Lead BCO

Role purpose (overall high-level summary of the role)

In support of our ambition to be the world’s #1 Corporate & Institutional Bank, we are accelerating our plans to improve our Credit and Capital Management processes to drive better customer outcomes and enable growth. Credit and Capital Management COO aspires to establish a world class end to end credit management function, uplift customer experience, deliver a modern risk management capability and mechanisms to actively manage and distribute the Bank’s balance sheet.

The Country Head of CCM Services & Lead BCO is responsible for overseeing and leading Credit and Capital Management products, processes, services [Credit & Capital Management Services Include Lending Product Management, Credit Management, Product Risk (FR/NFR,) Transformation, Data Management & Control, CCM Technology, CCM Operations.] & risk Management across their country. The role holder must work with the CCM COO and the Regional and Global Head of Business Credit Office to define and lead a common, reliable, and predictable underwriting and lending process, that protects the business from exposure, whilst responding to clients borrowing needs. The Country Head of CCM Service & Lead BCO has direct responsibility for all of CIBs credit underwriting and analyst functions within the market (s) they cover and plays a crucial role in supporting our growth strategy.

In discharging their duties, the role holder must be able to balance their client relationship management and credit Management. responsibilities ensuring that client and coverage experience is enhanced in parallel to enhancing risk management in the First Line of Defence.

The role holder will need to interact with business and product teams that utilise CCM services. The role holder will work closely with the regional Head of Credit & Capital Management and the Global CCM COO with a view to ensuring business needs are met through an aligned, consistent and predictable CCM service offering. The role holder must ensure CCM Transformation activity lands within their organisation in a coordinated way in line with agreed timelines. The role holder is expected to foster a culture of continuous improvement, lead the department with ambition and maintain the highest standards of operational excellence and risk management whilst delivering sustainable infrastructure changes that are aimed at significant transformation of the Credit & Capital Management experience for our customers, colleagues, and regulators.

Key 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.  The BCO function to be globally leading across the bank, leveraging organizational design capabilities to optimize processes and structures.
• 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. Monitor the management of financial and non-financial risks pertaining to the CCM production in partnership with local NFR/Business Risk.
• 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