VP Credit and Risk

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Role Purpose

To contribute towards building sound asset quality and a resilient credit culture at INM Business Banking (BB) by ensuring that the credit approval process is responsive to customer needs, and within HSBC’s prudent framework. The job also encompasses credit assessment for domestic & cross border project finance, capital market transactions, TRY driven business and new product plans for BB business, implementation of new projects undertaken by INM RISK. The job holder is also responsible for monitoring of early warning signals in the form of exceptions in account conduct, financials as well as other external data and taking/recommending appropriate steps.

Principal Accountabilities:  Key activities and decision making areas

Impact on the Business

• Promote strong asset quality
• Contribute to the growth of business and work to high levels of customer service standards
• Improve the quality of credit evaluation, and inject objectivity and consistency into the financial analysis.
• Protect the Bank from potential loss on the credit portfolio.
• Safeguard the Bank from regulatory strictures / penalties and potential loss.

Customers / Stakeholders 

• Ensuring customer groups understand, accept & implement policies and thresholds & incorporate risk issues as integral to all activities
• Updating executive management of risk performance through RMC / related governance. Provide relevant MI reports/ad hoc reports to APH / Group Risk.
• Manage relationship with regulators, auditors, rating agencies, industry bodies, where necessary.

Leadership & Teamwork 

• Work effectively with the Country Risk Team and in country business/functional teams.
• Ensure strong communication with counterparts in the region (both at APH and with other large HBAP sites)