Credit Manager

This role offers the opportunity to take on significant responsibility within HSBC's second line of defence, evaluating and approving high-value lending proposals across CIB and select CMB clients (largely non-UK ring-fenced Bank clients). You'll act as a subject matter expert, influencing policy, process improvements, and risk management both regionally and globally. The position provides exposure to senior management, cross-functional collaboration, and the chance to shape lending guidelines and risk appetite at industry and counterparty levels. You'll also play a pivotal role in supporting sustainable finance initiatives, managing emerging risks, and contributing to the ongoing development of the offshore team, making this a dynamic, impactful, and highly visible position within the organisation.,

• Assess and approve credit transactions and annual reviews within your delegated authority and make well-structured recommendations for those exceeding your authority. Sector coverage will include, amongst others, Oil & Gas, Metals & Mining, Retail, Consumer Brands and Chemicals.
• Conduct periodic portfolio reviews to identify trends, concentration risks, and problem exposures, and undertake sector reviews to set and manage risk appetite and lending guidelines
• Coordinate with Group Risk, Regional Wholesale Credit Risk Management, origination teams, and portfolio management to ensure timely and high-quality credit decisions and portfolio oversight
• Participate in working groups and projects to improve processes, design policy, streamline operations, and enhance risk management, including supporting the development of offshore teams
• Monitor emerging risks such as transition risk, fraud risk, and climate risk, and implement enhanced risk controls when needed, including updating appetite status and managing Watch, Worry, Monitor lists
• Collaborate alongside the Senior Manager to deliver professional risk management, contribute to team succession planning, talent management, and employee engagement, especially with offshore colleagues
To be successful in this role you should meet the following requirements:
• Demonstrable ability to evaluate and approve complex credit transactions and annual reviews, as well as robust knowledge of CIB global business
• Experience conducting portfolio reviews, identifying trends and risks, and managing industry or counterparty risk appetite, including setting lending guidelines and sector caps
• Proven track record of collaborating with a range of stakeholders, such as origination teams, portfolio management, and risk functions, to coordinate credit decisions and portfolio oversight
• Involvement in working groups or projects to improve processes, design policy, streamline operations, or enhance risk management frameworks
• Experience in monitoring emerging risks (e.g., transition risk, fraud risk, climate risk), implementing enhanced controls, and managing Watch, Worry, Monitor lists
• Ability to support team leadership, succession planning, and employee engagement, particularly in a cross-border or offshore team environment
Opening up a world of opportunity. 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. Our recruitment processes are accessible to everyone - no matter their gender, ethnicity, disability, religion, sexual orientation, or age. We take pride in being a Disability Confident Leader and will offer an interview to people with disabilities, long term conditions or neurodivergent candidates who meet the minimum criteria for the role.

If you're looking for a career that will help you stand out, join HSBC, and fulfil your potential - whether you want a career that could take you to the top, or an exciting new direction, we offer opportunities, support and rewards that will take you further. We're one of the largest banking and financial services organisations in the world, with a network that covers more than 50 countries and territories. We aim to be where the growth is, enabling businesses to thrive and economies to prosper, and, ultimately, helping people fulfil their hopes and realise their ambitions.

As an HSBC employee in the UK, you'll have access to tailored professional development opportunities and a competitive pay and benefits package. This includes private healthcare for all UK-based employees, enhanced maternity and adoption pay and support when you return to work, and a contributory pension scheme with a generous employer contribution.