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If you’re looking for a career that will unlock new opportunities, join HSBC and experience the possibilities. Whether you want a career that could take you to the top, or simply take you in an exciting new direction, HSBC offers opportunities, support and rewards that will take you further.

Within International Wealth and Premier Banking (IWPB), we serve 41 million customers globally, including 6.7 million who are international, from retail customers to ultra high net worth individuals and their families. We help our customers look after their day-to-day finances and manage, protect and grow their wealth.
Our wealth management teams provide financial planning and advice and market insight and updates, as well as products in areas such as investments, deposits, insurance, financing and foreign exchange. They include relationship managers, who work to understand the financial needs of clients and create strategies to meet their objectives, as well as technical product experts, sales managers and support staff

Job ResponsibilitiesEnsures that Card and Loan (Personal Loan and Mortgages) applications are assessed and underwritten consistently, objectively, with uniform application of policy, procedure and guidelines, all of this within turned around within the stipulated Service Level AgreementsResponsible to ascertain the credit worthiness of individual retail customer with complete financial and cash flow analysis for unsecured lending applicationsMaintain the SLA’s for processing applications and help in structuring loans within the banks approved policy guidelines.Recommend policy and product changes to the concerned stakeholders for bringing newdevelopments in the existing guidelinesMaintain consistent judgmental lending decisions to maintain a healthy portfolio and maximize profitabilityRegular evaluation of approval/reject rates, work processes/controlsProactive third party management, control of both incoming and outgoing data quality, and cost control, including overall demand managementEfficient consumption and resilient operations of the decision infrastructure and ongoing engagement with Risk and Products on strategy changes that improve customer outcomesEnsure that Service Level Agreements for appraising the loan application are met