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:

Impact on the Business
• Consider and review policy/procedural change together with the proper assessment of potential business impact for HBCE and associated countries. This includes reading and understanding any Regulatory policy requirements to full implementation.
• Production of timely and accurate reports
• Establish and maintain the HBCE Wholesale Lending Guidelines where appropriate.
• Establish and maintain the HBCE Wholesale BIM.
• Control of the Country Lending Guidelines/Addenda by ensuring that they are robustly reviewed and then progressed to sign-off where appropriate.
• Coordination of the HBCE LCEP. Progressing these to sign-off and dealing with Country queries in this area.
• Maintaining an overview on the internal LE reporting side (we do not produce it) but we have a high-level role in flagging up issues etc to the CRO.
• Keeping control of the dispensation process for the HBCE BIM/HBCE Lending Guidelines.
• Reviewing Credit FIM dispensations for Country Offices before agreement by Group Risk
• Assisting with other sundry dispensation requests.
• Efficient progress in agreeing change and ensuring this is communicated properly.
• No justified adverse feedback
• Adoption of principles/policy by Country Offices
• Satisfactory updating progress
• Satisfactory progress
• Good progress to sign-off
• No adverse surprises when MI is reported to committees.
• Demonstration of log/files to evidence requests and approvals.
• No adverse feedback
• No adverse feedback

Customers / Stakeholders
• Implementation of approval authority work together with providing a high level consultancy service to other areas in the HBCE Region
• Controlling the approval authority process including for all of the Country Risk Offices and the Wholesale Credit area.
• Interaction with Country Offices within HBCE to help them resolve issues and establish appropriate policies/procedures.
• Collaborate with Global Risk and other HO Departments to provide firm guidance in policy matters to HBCE.

Leadership & Teamwork
• Develop strong working relationships within the Global Risk function (Groups, Regions, Countries) within staffing constraints.
• Guide Country Offices/Risk areas as appropriate and operate in ways that transcend regional and business boundaries.
• Share best practice with the European Risk team and use knowledge to assist them with a wide range of issues
• Reviewing FIM updates and other credit initiatives and sharing this with the Country Offices by means of a regular Credit Update.
• Communication of appropriate policies to Risk officials especially those in the HBCE offices

Operational Effectiveness & Control
• Implementation of policy.
• Keeping control of the high-level approval authorities and reacting quickly to senior executive requests.
• Keeping control of the various manuals and ensuring that changes are properly researched, agreed with the appropriate area and a record kept.
• Keeping the BIMs up to date so that interested areas have the relevant information to undertake their business in a proper manner.

Conditions

You should apply if you have:

• Good knowledge of general credit policy.
• Varied credit background essential to undertake the dimensions of the role
• Banking qualification highly desirable
• Interpersonal skills including the capacity to agree policies with several areas of business
• Good project planning and execution skills
• A high standard of written and verbal communication is required
• Ability to work and progress issues/matters without close supervision
• The ability to interpret and understand all types of policy quickly
• Good problem-solving 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 recognizes 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, recognizing 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 programs, 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

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