Manager - Corporate Employee Banker, MSF

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Business Descriptor

Sales, Distribution and Business Development plays a vital role in understanding and meeting customer needs by offering the right solutions through the right channels to the right customer segments. The team is responsible for implementing distribution strategy, driving the delivery of market leading personal banking customer experiences and thereby maximising customer satisfaction

Role Purpose.

The bank primarily depends on the asset products (Mortgage, PIL, LAS, LAM, etc) to build its assets business. The assets business is extremely technical and with each region of India operating under different local regulations. Accordingly, The Branch assets specialist is a subject matter expert is needed for the fulfillment of asset product applications sourced by RMs building a support system to ensure seamless processing of these applications within the system.It involves interaction with various stakeholders both within HSBC and outside of HSBC ( Risk Team, Builders, Societies etc).

Principal AccountabilitiesImpact on the Business / Function

Responsible for Asset product disbursals of the MSF ChannelBack-end support to Branch RMs in the e-2-e process of sourcing to disbursal of any asset product applications.Effective co-ordination with internal & external stakeholders eg, CRU, CCR, INM, legal, etc…Regular monitoring of status of logged in applications.

Leadership & Teamwork

Developmental & coaching intervention for the Channel PartnerEffective co-ordination with all stakeholdersIdentify cross-sell opportunities for other product lines and sell / refer these to the RMs

Operational Effectiveness & Control

Discrepancy rates in applicationsFraud controlComply with the applicable laws, regulations, Group and local guidelines related to Sanctions and AML policy of HSBC while undertaking various day to day operationsRemain alert and promptly report to the Sanctions Officer/ INM FCC office/ Line manager ( As applicable and required by the AML and sanction Policy) if a customer is found to be engaging in sanction evasion activities or violations of AML policy or any other related procedures.Understand the legal responsibility to be vigilant for unusual activity and reporting of the unusual activitiesSupport the Country or Regional FCC AML Office/ AML Investigations by providing additional information when requiredResponsible for attending and successfully completing the AML and Sanctions related assigned training in the mandated timeframeUnderstanding the consequences of failing to attend or successfully complete the training as mandated by the AML Education Lead FCC; Requesting additional AML training that you deem necessary or appropriate to perform your jobs through your entity managerDemonstrate an understanding of PEP acceptance, prohibition, CDD & EDD guidelines in order to ensure that the INM RBWM is fully compliant with the PEP LoBP.Understand the relatively high reputational risk that arises from any perceived weaknesses in controls in respect of substantial cash deposits or withdrawals activity, wire transfer, monetary instruments and pouch and mailTo be aware and Identify high risk indicators for various products and Services offered by INM RBWM example Cash, insurance, credit cards products etcEnsure that all records are obtained in respect of INM WPB customers or New to bank customer for any products and services provided by HSBC are as per the process laid down.Must ensure that the prescribed process is being followed while dealing with non HSBC customers request for monetary instruments and wire transfersEnsure Adherence to the regulatory guidelines and internal AML & Sanction Policy of HSBC, which includes pouch and mail, monetary instruments, cash services and payment transparency Line of Business ProceduresTo be aware of AML risk posed by pouch and mail, Monetary instruments, cash services and wire transfer services and should undergo the mandatory training for the sameNecessary remediation steps need to be undertaken in case if there is any breach or non-adherence to the policy laid down in the LoBPMust undertake necessary due diligence to ensure that the nature of the transaction is in sync with the customer profile, else raise it to line manager for further clarificationThe staff must be aware of the scope of services of various products and services that are offered and those which are prohibited because of the guidelines laid down in the line of Business procedures and must ensure the same is communicated to customer in a effective and polite mannerEnsure adequate due diligence is undertaken by the Individual/team to ensure that the nature of the various transactions of wire transfer, cash services, monetary instruments are in sync with customer profile.

Role DimensionsPrimary responsibility for them is to help Relationship Manager achieve KPI targets by ensuring seamless asset product disbursalsThe incumbent would effectively carry the direct accountability for achieving assets disbursals of the Branch reporting directly into the BM.

Qualifications:

Graduate/Post Graduate (Masters)/ MBA with two to five years’ work experience.

Eligibility Criteria

• India Bank / INM employees will be eligible to apply to this role after completion of 12 months in the current role/position at the time of application on level transfer and/or promotion.
• Entity Employees (not from India Bank) to be guided by their internal policy on tenure completion in current role at the time of application before applying and share line manager approval once shortlisted
• INM Employees in scope of WPB Career Progression Framework not eligible to apply to roles within the purview of the Framework.

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Issued by The Hongkong and Shanghai Banking Corporation Limited, India