HSBC
Lead Risk Officer, HSBC UK
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About HSBC and the Role
Join HSBC and fulfil your potential. Whether you’re looking to reach new career heights or explore a fresh direction, HSBC offers growth opportunities, support, and rewards.
As one of the largest banking and financial services organisations globally, with a network spanning over 50 countries and territories, HSBC drives economic prosperity and helps businesses and individuals achieve their ambitions.
We’re currently looking for an experienced professional to join our team as a Lead Risk Officer, HSBC UK. This remote role can be based in London, Sheffield, Manchester, or Birmingham.
Key Responsibilities
The Lead Risk Officer will support growth lending objectives for the Middle Market and Large Corporate businesses in the UK, while ensuring prudent credit risk management aligned with HSBC UK and Group policy. Key responsibilities include:
- Promoting a strong, consistent credit culture across the Industrial/Manufacturing (incl. Chemicals), Transportation (incl. Automotive), and Metals & Mining (‘ITMM’) industry sectors.
- Balancing robust risk discipline with customer needs while considering market conditions and their impact on credit decisioning.
- Evaluating, recommending, and approving corporate transactions and annual reviews within delegated authority.
- Ensuring credit proposals are structurally sound, commercially viable, and designed to minimise credit losses.
- Partnering with the Senior Risk Officer to :
- Assess portfolio credit quality, including Customer Risk Ratings (CRR) and approved limits.
- Identify emerging risks requiring placement on the Watch, Worry, Monitor (WWM) list.
- Maintain and evolve lending guidelines to enhance the risk profile across customer segments.
- Providing expertise in industry and product knowledge to:
- Lending, trade, cash management, and trading/hedging products teams. -regional credit teams across the board.
- Delivering ad-hoc support, including:
- Industry reporting (internal/external).
- Guidance/training for colleagues (first- and second-line roles).
- Audit and stress-testing exercises.
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Requirements
To excel in this role, the successful candidate should have:
- Demonstrated commercial credit judgement, with experience in:
- Managing credit processes and assessing individual transactions.
- Handling complex lending risks, especially within ITMM sectors.
- A solid grounding in:
- Legal, accounting, and regulatory considerations relevant to corporate lending.
- Corporate banking operations (lending products, risk processes).
- Proven ability to:
- Challenge constructively and influence decision-making across stakeholders.
- Translate complex credit issues into clear, actionable recommendations.
- Exposure to:
- UK Industrial sectors (incl. Chemicals, Transportation – Automotive, Metals & Mining) and corporate approval environments is a strong advantage.
- An understanding of sector dynamics and “industry landscaping.”
- A financial services or banking background is essential.
- Customer engagement and team management experience is welcomed (not compulsory).
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** Benefits and Culture at HSBC**
As an HSBC UK employee, you’ll benefit from:
- Tailored professional development opportunities.
- Competitive package, including:
- Private healthcare for all UK-based staff.
- Enhanced maternity and adoption pay, along with return-to-work support.
- A contributory pension scheme with a generous employer contribution.
HSBC is a diverse and inclusive workplace, committed to breaking down barriers for all talent. We embrace different perspectives, backgrounds, and abilities and take pride in being a Disability Confident Leader. We offer interviews to candidates facing disabilities, long-term conditions, or neurodivergent traits who meet the role’s requirements.
If you require reasonable adjustments or accommodations during recruitment, contact our Recruitment Helpdesk at hsbc.recruitment@hsbc.com.
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