Role Purpose:

• Evaluate, provide advice and guidance on, approve and recommend Corporate / Bank / Non-Bank Financial Institution / Securities transactions and annual reviews in a manner which safeguards the bank’s capital and reputation while contributing to its growth aspirations
• Manage traded credit / market risk tasks under guidance from regional risk teams
• Conduct sustainability risk reviews for recommendation to regional Sustainability & Reputational Risk
• Proactively monitor the quality of the credit portfolio and assist businesses to identify potential problem accounts and establish appropriate action strategies

Principal Accountabilities:

• Identify emerging risks through Portfolio Management strategies and initiate mitigation strategies
• Maintain Non-Performing Advances (NPAs) and Impairment Provisions within acceptable norms
• Adoption of Group/Regional policies and guidance, and ensure that they are consistently applied
• Promote sound asset quality of Japan’s portfolio and safeguard the Bank from potential credit losses
• Promote a forward-looking view of risk within the organization
• Provide Head of Wholesale Credit Risk (HoWCR) with credit related risk updates to be presented in risk management meetings and related governance forums
• Build effective relationships with businesses and regional risk
• Assist in the development of businesses skill base, as well as promote understanding of risk policy
• Prepare external / internal reports and/or presentations to regulators and internal stakeholders
• Work effectively with the Risk team as well as business / product / functional teams
• Support HoWCR to achieve effective implementation of Risk and/or Group strategy
• Assist HoWCR to establish / monitor Strategic Plan, Risk Appetite, and other initiatives and key issues
• Contribute by participating and completing Risk related projects
• Timely respond to businesses in line with SLA’s and specific business needs
• Maintain HSBC’s high internal control standards and ensure that financial / non-financial risks are properly monitored
• Adequately identify, assess, mitigate and control operational risks within the Wholesale Credit Risk approval team
• Understand various credit systems, and engage in the implementation and/or testing for upgrades

Experience, Skills and Qualifications:

• Typically holds undergraduate degree in Business Administration, Finance or a related field

• At least 5~10 years of experience in credit risk management, financial analysis and corporate/commercial banking with strong knowledge of Bank products
• Working knowledge of traded credit and market risk
• Experience in managing internal and/or external audits
• Good communication and interpersonal skills, including the capacity to clearly articulate reasons for approval / recommendation
• Strong language skills in both Japanese (native) and English (fluent) to manage communication with stakeholders and regulators
• Understand and interpret complex business requirements
• Proven ability to prioritise competing demands
• Demonstrated the ability to assess risk trends across industries and countries
• Professional qualifications in accounting or credit analysis are preferable