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Role purpose (overall high level summary of the role)
End-to-end responsibility for managing the International Mid Markets business unit within the Banking business of Corporate & Institutional Banking (CIB) including new acquisition, strategy, P&L and balance sheet, funding, liquidity, risk and performance delivery for customers and people within strategic parameters set by CEO & Head of Banking and within Group risk appetite-
Formulate and drive business strategies on full customer lifecycle to acquire quality clients, broaden existing relationships and retain clients to ensure healthy growth support the Group’s ambition to grow the CIB Banking business
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Deliver best in class client experience to our International Mid Markets clients ensuring their needs are fully understood and met through a variety of strategic and complex solutions
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Ensure high quality lending across the portfolio, safeguard the Bank from potential loss, maintain group credit standards, uphold portfolio quality, maintain high level of compliance and minimize operational, credit and internet banking risks
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Achieve key performance indicators- Grow revenues and lower sensitivity to interest rate volatility by increasing global wallet penetration, notably non-lending revenues and fee generation key indicators including and not limited to below
o Grow managed TRI (outbound +in market)
o Grow NFI income
o Improve portfolio return (gross RoRWA)
o Increase total average deposit balance -
Effectively manage direct and allocated indirect expenses based on the agreed budget
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Ultimately responsible for the risk profile of the International Mid Markets business and responsible for first line risk management, specifically Credit, Reputational, Compliance and Financial Crime
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Monitor key metrics to ensure employee productivity is meeting and/or exceeding market norms in respect to broadening client relationship
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Establish and maintain networks for collaboration with other HSBC businesses, supporting creation of solutions to customer needs that span national and product boundaries and regulator environments
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Oversee / liaise with business and support functions including HR, Legal, Compliance, Operations, Finance, Risk, etc. to ensure that all frontline activities are supported in an efficient and operational risk-appropriate manner
Governance and Committee Memberships (Directional – TBD)
CIB Banking Leadership meetings and other relevant CIB Banking governance.
Responsibilities and Accountabilities across Business, Customers and Stakeholders
Business
Strategy Definition:
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Work collaboratively with market CEO and / or Banking Head and Global Infrastructure colleagues to define market strategy (including credible alternatives), in line with CIB and Banking defined parameters
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Recommend compelling business cases founded in clear customer and financial rationale to CEO and / or Banking Heads
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Set planning guidelines for near-term (1Y) and medium-term (3Y) financial performance of Business Unit in line with performance contract
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Defining and leading the long term Banking strategy, driving implementation through management of targets for revenue generation, product alignment, customer satisfaction and cost containment.
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Building the Banking franchise value / reputation in the marketplace.
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Profitably grow HSBC’s share of client wallet, involving product specialists to ensure capabilities are in line with client / sector requirements
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Drive continuous improvement within Banking including revalidation of clients and sub-sector focus, people management initiatives, performance improvement, and business restructuring.
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Develop and maintain relationships with key stakeholders in business functions including back/middle office, Risk, and Compliance, to ensure that all front office activities are supported in an efficient and operational risk-appropriate manner
Execution:
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Accountable for managing P&L and B/S, funding, liquidity, risk, end-to-end operations and resourcing (within strategic parameters set by CEO & Head of Banking) to deliver strategic & financial objectives for customers and Group in-year and over multiple years
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Recommend proactive and actionable steps to resolve performance issues for approval by CEO & Head of Banking, if performance is not on plan
- Implement high quality, effective and efficient op. processes and determine level and volume of support activity required from Functions for products and services to exceed customer expectations
Risk Management and Controls:
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Act as primary representative for regulators, holding ultimate accountability for compliance with global requirements, including assurance of viability & conduct
- Set Business Unit risk appetite within CEO & Head of Banking defined parameters, and implement, embed and manage appropriate risk and control frameworks
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Responsible for driving the Business Unit conduct and culture agenda, including the proactive identification and management of non-financial risk.
- Provide leadership across risk and compliance matters, ensuring adequate management focus, “tone from the top”, resource allocation and development to foster a strong risk and control culture and strong & effective relationships with regulators
Customers and Stakeholders
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Maintain appropriate balance between the needs, demands and requirements of customers, HSBC employees, regulators, and other stakeholders, in collaboration with CEO and Head of Banking in market
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Develop and maintain products and services that meet customer needs, deliver fair customer outcomes, including a fair exchange of value between customers and shareholders, and provide a benefit to society as a whole
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Develop and maintain existing and new distribution channels for delivery of products and services
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Proactively seek out opportunities to maintain expert knowledge of the sector, competitor activities and market trends; uses this information to influence future direction of the business unit.
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Develop and drive strategy to achieve “#1 Corporate & Institutional Bank’ status aligning to our CIB Banking strategic priorities
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Promote consistency of approach to clients globally, ensuring that all clients benefit from best practice
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Drive and encourage constructive cross-country and cross-business teamwork by demonstrating collaboration and matrix management in action, and taking prompt action to address any activities and behaviours that are not consistent with HSBC's values and inclusivity policy and/or the best interests of the business and its customers
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Establish and maintain networks for co-operation with other HSBC businesses, to support the creation of solutions to customer needs that span national and product boundaries and regulatory environments.
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Improve management of complaints and customer experience, analysing root causes of dissatisfaction, and putting in place actions to address these to improve customer outcomes
Leadership & Teamwork
Leadership:
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Coach Business Unit senior leadership to be high performers with robust succession planning and development of leadership capabilies
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Set expectations to all employees on Business Unit strategy, making clear priorities and connections to individuals
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Create an environment in which individuals and teams operate in line with HSBC values and operating standards
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Define and communicate a powerful and compelling vision that inspires and engages people with the HSBC Values and goals as the basis of an inclusive, high performance, customer-centred culture
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Lead, develop and motivate the leadership team to attract, retain and develop the capacity, capability and talent to provide for succession and ensure delivery of business objectives
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Drive the implementation of the Banking coverage model, to ensure the business operates increasingly effectively and efficiently and is able to deliver HSBC's strategic goals
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Maintain critical mass where relevant and reducing headcount where appropriate
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Implement appropriate reward and retention strategies
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Role model for values and behaviours, providing clear and strong leadership
Team Management:
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Maximise potential of all staff members and set high quality performance standards
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Make final decisions on performance management and reward strategies, in line with Group, to balance growth of a sustainable business with allocation of reward aligned to responsible risk management
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Define processes and information needs that foster cross-functional/ cross-country cooperation for end-to-end view
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Deploy human resources in the business and assess & build employee capabilities and engagement required to deliver Business Unit strategy
Functional Knowledge
Remain up-to-date on latest industry developments (e.g. technology, regulatory); enable teams to incorporate improvement to drive towards Operational Excellence- Understand macro-trends impacting operations of Business Unit and identify solutions to remain competitive in the market
Opening up a world of opportunity
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