Job title: AM - Processing

To critically and holistically assess and verify unsecured/secured applications for salaried/self-employed customers within approved policies, procedural guidelines, within stipulated Service Level Agreements. Conduct prescribed due diligence of financial documents to determine customer affordability and suggest recommendations to team mangers/business. Ensure comprehensive checks on an application before the Bank’s decision to lend to a customer, keeping in mind local market knowledge.

Governance and Committee Memberships

• Be an active part of Internal committee (by self-nomination)
• Engage actively in the GSC site committee activities where applicable.

In this role, you will:

Principal Accountabilities and Responsibilities (e.g., for Business, Customers and Stakeholders; internal control environment, etc.)

• Meet and exceed PLA and KPI targets (Quality, RPH and Operating Efficiency). Maintain strict adherence to schedule.
• Ensures applications are assessed and verified consistently, objectively, with uniform application of policy, procedure and guidelines.
• Identify and escalate potential risks, operational and otherwise.
• Ability to be flexible and willing to change along with changes in corporate and department objectives in addition to recommending changes to assist in meeting these objectives.
• Contribute for continuous process improvement to reduce the cost and enhance the end customer experience.
• Support achievement of team objectives.
• Participate actively in employee development activities like coaching/feedback.
• Mandatory and other training completion and performance to be owned by self.
• To be aware of the Operational Risk scenario associated with the role and ensure that all actions align to mitigating the same.
• Conduct self and make informed decisions that protect HSBC values, reputation and business.
• Able to assimilate a large amount of information and make effective decisions on a wide range of issues.
• Identify and inform line management of potential risks within the process.
• Ability to analyze complex problems, interpret operational needs and develop integrated, creative, technical solutions.

Leadership & Teamwork

• Work closely with line management in delivering the strategy.
• Liaise with sales team/frontline for effective resolution of discrepancies regarding verification, documentation, where applicable.
• Demonstrate ability to inspire and motivate individuals/teams.
• Engage with colleagues and other internal stake holders to deliver the set objectives and exceed.
• Able to work under varying shifts and under pressure.
• Assist & co-ordinate with stake holders to structure the cases to ensuring better and smooth flow of applications.

To be successful you will:

Functional Knowledge

• Minimum of 3 years proven experience in Credit Operations with Underwriting limits in INDIAN Retail or Corporate loan products - Essential
• Home Loans/ Mortgage experience – preferential.
• Bachelor's degree in business, related field or equivalent experience.
• Proven mathematical, analytical and communications skills.
• Awareness of the types and nature of credit products and processes.
• Understanding of Credit life cycle.
• A Graduate in any discipline. (Preferable in commerce)
• Strong analytical, problem-solving, communications, financial and interpersonal skills.
• Excellent verbal & written communication skills.
• Provide excellent customer service to internal/external customer by maintaining good call quality in accordance to Call Monitoring/ Call Coaching standards. (where applicable)
• Acquire exhaustive knowledge on process, procedures and Credit policies and upgrade the knowledge on an ongoing basis.

Others

• The challenge is to ensure that all policies and procedures are strictly adhered to while processing the files within the stipulated time in line with the Risk objectives of the annual and strategic.
• Set stretching goals for self and deliver them with courage and tenacity.
• Maintain nil complaints and Operational loss.

Hsbc.com/careers

You’ll achieve more at HSBC

HSBC is an equal opportunity employer 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. We encourage applications from all suitably qualified persons irrespective of, but not limited to, their gender or genetic information, sexual orientation, ethnicity, religion, social status, medical care leave requirements, political affiliation, people with disabilities, color, national origin, veteran status, etc., We consider all applications based on merit and suitability to the role.”

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 HSBC Electronic Data Processing (India) Private LTD***