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If youre looking for a career that will unlock new opportunities, join HSBC and experience the possibilities. Whether you want a career that could take you to the top, or simply take you in an exciting new direction, HSBC offers opportunities, support and rewards that will take you further.

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.

Job Introduction

As an Individual Contributor own the implementation and ongoing management of credit policies, controls, regulatory requirements and governance processes for the business. The role converts regulatory and risk requirements into practical operating processes, management information, system changes and disciplined follow-up, while serving as a central coordinator across Business, Credit Risk, Operations, Compliance, Finance, Technology, Internal Audit and external regulators/auditors.

Principal Responsibilities

1. Regulatory reporting and schemes

Coordinate SMA inputs for CRILC/CIC reporting, challenge classifications and finalise submissions.
Manage RBI Tranche I/II/III credit-control submissions, including data, validation, governance and evidence.
Administer ADB, GuarantCo, Agri and other credit support schemes, ensuring eligibility, documentation and reporting.
Coordinate related-party exposure management and SOX declarations.

2. Credit policy implementation

Coordinate input, rollout and annual updates for credit policies covering evaluation, MSME/priority-sector lending, ECLGS, securities-backed lending and project finance.
Convert regulatory and group changes into procedures, controls, communications, training, system requirements and implementation plans.
Serve as the business contact for policy interpretation and implementation.

3. Credit controls and portfolio discipline

Strengthen monitoring controls, ownership, evidence, escalation and closure.
Track covenants, conditions,, early warnings and information requests.
Ensure compliance with LDS, LEI, Large Exposures, market-suitability, Excess Reporting, unhedged FX and capital-market exposure requirements.
Lead read-across reviews, Management Self-Identified Issues & actions and remediation of policy, control or regulatory findings.

4. Audit and issue management

Lead credit-file preparation and submission for RBI, statutory, HKMA, GIA and concurrent audits.
Validate information from Credit Systems, Business Credit Officers, relationship managers and other sources; coordinate audit and regulatory responses.
Drive audit actions and remediation to sustainable closure, with accurate reporting and evidence.

5. Pricing, capital and governance

Support the India Deal Prioritisation Committee and RWA optimisation.
Maintain monthly credit-interest spread delineation and support the Interest Rates on Advances Policy.
Coordinate pricing-system and process changes and maintain governance records.

6. Business management and resilience

Coordinate Credit stress tests and Quarterly Lending Survey, including sector credit forecasts.
Manage third-party and group-entity risk for credit processes, including TPEM/outsourcing governance.

Responsible to ensure changes in systems to meet the regulatory and business growth requirements are delivered on time.
Oversee vendor and bill-payment administration for credit support services.
Support Watch, Worry and Monitor and MSME exposure governance forums.

Role Requirements / Education Qualifications / Certifications / Experience:

• Graduate with a minimum 10 years relevant experience in credit analysis, credit regulations, policies and controls.
• Strong knowledge of credit policy implementation, control frameworks and regulatory reporting requirements.
• Ability to articulate required actions clearly, manage senior stakeholders and deliver high-quality outcomes within agreed timelines.
• Resilience, sound judgement and the ability to remain effective in a demanding and evolving environment are essential.

Pro-Tip: Familiarity with AI-enabled tools is an advantage.

As an employee, you are required to perform your duties in a professional capacity exercising independent judgement, discretion and decision-making authority in planning, organising, directing work, supervising and appraising the work of team members, as applicable; and taking accountability for delivery outcomes. You will represent the organization with relevant internal and external stakeholders. You will allocate and prioritize work, provide direction and feedback, manage team capacity and leave in line with policy as applicable.

HSBC is committed to building a culture where all employees are valued, respected and opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working and opportunities to grow within an inclusive and diverse environment.

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.

Issued by The Hongkong and Shanghai Banking Corporation Limited, India