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 will help grow our business.

The Wholesale Credit & Lending (WCL) Value Stream (VS) is embarking on an exciting global transformation journey, overseeing the comprehensive Credit and Lending processes across two key business lines: the Global Commercial Bank (CMB) and the Global Banking & Markets (GBM). The WCL Value Stream is comprised of Sub-Value Streams and Enablers which are responsible for a defined scope and structure ensuring front-to-back enhancements and maintenance. Through this design the department can foster lasting change by enhancing technology and capabilities, promoting efficiency and automation, elevating risk management standards, and accelerating balance sheet velocity across the businesses. This is achieved by delivering sustaining infrastructure and capabilities to revolutionize Credit & Lending experiences for our customers, colleagues, and regulators.

Credit and Lending Product Risk plays an important role in enabling the bank to operate within its risk appetite, by ensuring efficient and effective risk and control management. Senior Manager, Credit & Lending Product Risk is responsible to provide operational risk and control expertise, maintaining robust risk governance focused on material risk and issues, and evolving a culture of continuous and consistent risk management for Europe.

In this role you will:

The role holder will facilitate the maintenance of an effective risk and control environment through analysis and governance reporting, tracking progress of outstanding issues and actions, stakeholder engagement to monitor resolution of all non-financial risk reporting exceptions and providing insight into Wholesale risk landscape in Europe. The role holder will provide guidance and support through working with the business to maintain an effective non-financial risk framework that contributes to the effective execution of relationships, products, and services for our customers.

The role will focus on HBCE [2nd position will focus on HBEU] and will work closely with the Global/Regional WS Credit and Lending and the Wholesale Business Risk teams. The role is based in Paris [2nd position is based in the UK (excluding London)] but GSC/COE locations in Poland and India would also be considered.

What you will do:

Impact on the Business / Function

Responsible for implementation and control oversight of Wholesale Credit Risk in the Risk Management Framework (RMF) across Wholesale Europe. The new Wholesale Credit Risk is aimed at identifying operational risk as a result of weaknesses in our processes and platforms that give rise to credit losses.

This includes:

• Development and operation of a robust risk-based internal control review programme across the markets and engaging with DBS Credit Services and Wholesale Client Services. Undertake review and special investigation work to provide further analysis into process / control failings as requested by management.
• Ensures implementation of Internal / Operational Risk review recommendations by liaising with process heads, carrying out follow-up action & recording appropriate dispensations.
• Tracking progress of all outstanding issues and actions to ensure resolved in a timely manner by the relevant owners, engaging as appropriate.
• To continually re-assess the operational risks inherent in the business, considering Credit and Lending landscape, changing economic
• Support C&L Business Service Owner (BSO) accountabilities including those related to SOX process attestations, Operational Resilience and Digital Operational Resilience Act (DORA).
• Support the simplification and reduction in activity time and enhancement of risk and control oversight and reporting.

Customers / Stakeholders

• Provide guidance and support to stakeholders regarding the management of risk, develop and maintain effective Risk Profile Management which includes proactive management of risks, Risk & Control Assessment (RCA) support, independent validation of continuous monitoring plans and KRI monitoring.
• Develop key relationships across WS management to support the promotion of an effective risk management culture, identify and share non-financial risk management best practice across other teams and business stakeholders.
• Proactively challenge practices / controls operated by issue/control owners, identifying gaps, and making firm recommendations where the control environment can be improved.
• Identify and monitor Key Risk Indicators, draft and maintain Internal Control Monitoring Plan (ICMP) for the function & drive all the actions to closure. Drive the implementation of cross-functional operational risk and audit actions including effective RCA discussions.
• Tracking progress of all outstanding issues and actions to ensure resolved in a timely manner by the relevant owners, engaging as appropriate.

Leadership & Teamwork

• Contribute towards a strong non-financial risk culture across WS C&L division and Wholesales
• Support achievement of the HSBC strategy, purpose and values in personal behavior, actions and decision making and Senior Management with non-financial risk matters providing intelligent insight and reporting.
• Drive a more proactive risk management framework through enhanced reporting and analytics.

Conditions

You should apply if you have:

• Subject matter expert, understanding of Credit and Lending, Credit Risk, Operational risk typologies. and potential mitigating actions, industry / good practices and related risk/control frameworks
• Good understanding of technology, regulatory landscape and information security risk/control disciplines
• Sound and in-depth knowledge of the operational risk & control environment and disciplines.
• Analytical skills especially with regards to understanding business risk, processes, procedures and operational controls, sound knowledge of the GB & CMB products, services, systems & processes.
• Highly developed communication, presentation and influencing skills set.
• Ability to prioritise and work independently under pressure within a team environment.
• Ability to use judgmental skills to identify and resolve complex problems whilst adhering to timelines and quality
• A degree in banking / financial / management / business administration / accounting
• A working knowledge of Global Banking, Commercial Banking & Market Securities Services with understanding of client lifecycle & trade journey
• Keen eye for detail, organized and logical thinker, written / verbal communication and presentation skills
• Risk professional with at least 5 years’ combined experience in Credit Risk, Operational Risk Advisory and Reporting, Compliance or Internal Audit in a banking environment.
• Minimum 5-10 years of risk & control experience in operational risk, with a focus on non-financial risk

Even if you feel you do not meet 100% of our qualifications, we encourage you to apply, if you believe this role is right 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