Director, Regional Head IMM Coverage, US BCO

In compliance with applicable laws, HSBC is committed to employing only those who are authorized to work in the US. Applicants must be legally authorized to work in the U.S. as HSBC will not engage in immigration sponsorship for this position.

Our purpose – Opening up a world of opportunity – explains why we exist. Here at HSBC we use our unique expertise, capabilities, breadth and perspectives to open up new kinds of opportunity for our more than 40 million customers. We’re bringing together the people, ideas and capital that nurture progress and growth, helping to create a better world – for our customers, our people, our investors, our communities and the planet we all share.

Role purpose

The first line credit management office, the Business Credit Office (BCO), is a key component of our Corporate & Institutional Banking (CIB) Credit & Capital Management (CCM) E2E operating model. The BCO acts as a partner and single point of engagement for relationship managers and frontline bankers for credit and lending, providing credit and credit risk expertise and execution to clients and centralized credit oversight, working in close alignment with credit risk and approval partners.

The BCO (Business Credit Office) function is client facing and customer service oriented. Responsibilities include structuring of, and documentation negotiation for, credit products and lending facilities, credit analysis, risk rating recommendation, client credit monitoring.

The Director, IMM (International Mid-Market) Coverage, US BCO (Business Credit Office) role will be responsible for developing and leading a high performing, client centric BCO (Business Credit Office) team covering US Corporate & Institutional Banking’s International Mid-Market (IMM) business segment and ensuring exemplary risk management acumen and control standards are embedded within the end-to-end credit and lending process. In discharging their duties, the role holder must implement a common, reliable, and predictable underwriting and lending process and demonstrate strong effective credit risk acumen, that protects the business from exposure, whilst responding to clients borrowing needs.

The role holder will report directly to Head of BCO (Business Credit Office) US and will work closely with the Coverage and Transaction Support teams to ensure seamless client experience and consistency of service globally.

The role holder will need to be a strategic thinker, an effective collaborator, and a skilled stakeholder manager to successfully work through the complex landscape and deliver exceptional client outcomes, with a focus on our International Mid-Market business segment.

• Lead and oversee teams responsible for executing the delivery of credit and lending servicing journeys within the US market, with a focus on our International Mid-Market business segment, ensuring alignment with regional processes and a seamless and efficient process for customers and ensuring compliance with US regulatory requirements
• Monitor and analyze customer feedback within the market, identifying local areas of focus to improve customer outcomes while ensuring alignment with regional priorities
• Collaborate with local and global stakeholders, including CCM (Client Contact Management), WCR (Wholesale Credit risk), Legal, International Mid-Market Coverage teams, digital channels and products to implement the overall strategy for the wholesale credit and lending journey
• Support and drive the implementation of governance frameworks to ensure risks and issues related to the Credit & Lending journey are escalated to regional, and global stakeholders and resolved in a satisfactory manner. Support the monitoring the management of financial and non-financial risks pertaining to the CCM production in partnership with local NFR/Business Risk
• Support the OKR (Objectives and Key Results), KPI and SLA management framework within the market, maintaining service management oversight pertaining to both operational and control performance across all CCM (Client Contact Management) CTB & RTB services end-to-end
• Collaborate with internal teams across the entire credit journey…