Description de l’emploi

At HSBC, our purpose is opening up a world of opportunity and by joining our team, you can be part of something bigger! We are committed to removing barriers and ensuring careers at HSBC are inclusive and accessible.

Here in France, you’ll help evolve and grow our business.

What you will do:

The role sits within HSBC Continental Europe Wholesale Credit Risk Management (HBCE WCRM) in the Wholesale Credit Approval team based in Paris
HBCE WCRM is responsible for managing the credit risk for France and the Continental Europe branches and subsidiaries (Spain, Italy, The Netherlands, Belgium, Luxembourg, Ireland, Poland, Czech Republic, Nordics, Malta and Germany) across different segments of the economy - from Small and Medium Businesses to Large Corporates and Global Banking names, Sovereigns, Financial Institutions and Intra/Inter group.
The purpose of this role is to replace a Senior Credit Manager in the Corporate LC/GB team who has seized another opportunity outside of the group.
T. Klemm (Head of WCRM HBEU), Hugues de l’Epine (Head of Wholesale Credit, HBCE) and Olivier Berranger (Head of Credit Approvals) support the request.

Key responsibilities include:

• Leading the TMT, Healthcare, Chemicals, Services credit Team, a team of 4 people.
• Credit monitoring a portfolio comprised of c. 150 counterparties, mainly in the TMT sector, and actively participate in the Regional Sector reviews,
• Reviewing, recommending or approving credit applications using allocated credit authorities in a manner which safeguards HBCE’s and the Group’s capital and reputation while contributing to its growth aspirations. The portfolio will be mainly comprised of HBCE credit applications in the TMT sector but, as a team leader, responsibilities will also include the approval of applications recommended by credit managers covering other sectors in the team such as Healthcare, Chemicals, Services.
• Being the primary point of contact for the portfolio under responsibility for all Wholesale Credit Risk related matters, which, in addition to approvals, also includes pipeline discussions, portfolio/sector reviews, management of problem exposures, circulation of processes, policies and guidelines.
• Being the Credit contact for one or several branches and participate in the oversight of this/these branch(es).
• Involvement in region-wide and local Wholesale Credit Risk related projects or forums as delegated by Head of WCRM and Head of Corporate Credit Approvals, HBCE.
  Accountabilities/ Deliverables
• Ensure credit decisions are of high quality, understood by applicants and provided in a timely manner.
• Represent HBCE Credit at the appropriate committees (e.g. CAC, WWM Committees, Sector Reviews).
• Ensure effective teamwork within HSBC credit Risk teams, HBCE Front Office CMB/GB and Support Functions
• Implement/maintain policies & procedures in respect of GB/CMB Large Corporate counterparties in a manner that balances effective risk management with business growth/economic profit objectives.
• If needed, provide input into the implementation of process to fulfil new regulatory constraints or evolution.

What does good/success look like?

• Develop excellent and regular communication with the relevant managers/RM within CMB GB, to understand their strategic goals/key priorities/constraints and to ensure that credit applications are in line with Group / HBEU Risk policies
• Provide input into the design and implementation of organization & process changes within the credit team that are deemed necessary to improve efficiency while complying, with all extent possible, to Group / HBEU model.
• Ensure timely responses to the business units in line with SLA’s and specific business needs.
• Help develop the Team and be successful in a challenging risk environment.

Conditions

You should apply if you have:

• Solid academic qualifications in financial analysis; University education. MBA / CFA / CPA is a significant plus
• Corporate credit risk management experience: 5-year experience in the GBM/LC coverage team or credit Department
• Desirable technical experience
• Microsoft applications
• Personal skills
• Fluent in English, speaking French is also an advantage.
• Critical and logical mind
• Excellent communication skills
• Excellent time management skills

Even if you feel you do not fit 100% of our qualifications, we encourage you to not let this hold you back from applying if you believe this is the role for you.

What you’ll get in return:

Not only is HSBC a great place to work, but we also offer the following unique and exciting opportunities and benefits!

HSBC has been certified “Top Employer 2024” in Europe. This recognition from the Top Employers Institute rewards our HR practices and recognises HSBC as an HR Leader in France, Germany, Italy, Luxembourg, Poland and Spain. HSBC in France has been certified with LinkedIn Top Employer 2024 for Finance, recognising our team as a great place to work within the Finance industry.

A unique and flexible working environment:

• Advantageous remote working agreement
• Diversity and Inclusion is at the heart of our business: joining HSBC will give you the opportunity to work in a collegiate and supportive environment
• You’ll be able to join our Employee Resource Groups that bring together colleagues with shared characteristics and common interests
• Usual local benefits (refund of transport fees at 50%, 5 weeks of paid vacation + RTT)
• Family events days off, additional maternity or breastfeeding leave, advantageous paternity leave, parental presence or dependency support leave (for child or parent with disability)
• A Time Savings Account to monetize your untaken off days (CET)

Family benefits:

• Partial reimbursement of childcare costs
• Various bonus (birth bonus, back-to-school bonus for your children up to 25, parental bonus)
• An allowance for parents of children with disabilities
• Possibility to work part-time

Financial benefits:

• A company savings plan and a savings plan for collective retirement
• Meal voucher card or corporate restaurant depending on your place of employment
• Mutual insurance for you and your family, and a pension contract to protect your loved ones
• A loyalty bonus and a long-service medal rewarding seniority
• Holiday vouchers based on your reference tax income
• CESUs (for tax purposes) if you are disabled or if you have a disabled child, spouse or parent
• A Work Council which offers, among other things, ticketing, travel, sports, legal aid, etc.

Personal development benefits:

• Access to our Degreed platform (learning platform above all, that you can use to discover learning content, develop skills, and successfully meet new business challenges)
• We’ll help you progress your career, including access to development programmes, mentoring and coaching, as well as world-class training through HSBC University
• We’ll give you access to resources that support your mental, physical, and social well-being

Being open to different points of view is important for our business and the communities we serve. At HSBC, we’re dedicated to creating diverse and inclusive workplaces - no matter their gender, ethnicity, disability, religion, sexual orientation, or age. We are committed to removing barriers and ensuring careers at HSBC are inclusive and accessible for everyone to be at their best.

If you have a need that requires accommodations or changes during the recruitment process, please let us know.

Personal data held by the Bank relating to employment applications will be used in accordance with our Privacy Statement, which is available on our website.

For further information on building your career at HSBC, please visit: www.hsbc.com/careers