Credit Risk Manager (f/m/d)

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What You Will Do:

This position is part of HSBC Continental Europe Wholesale Credit Risk Management (HBCE WCRM), within the Wholesale Credit Approval team based in Paris.

HBCE WCRM is responsible for managing credit risk for France as well as for subsidiaries and branches across Continental Europe (including Spain, Italy, the Netherlands, Belgium, Luxembourg, Ireland, Poland, the Czech Republic, the Nordics, Malta, and Germany). The team covers a range of economic segments—from Small and Medium Enterprises to Large Corporates and Global Banking clients, sovereign states, financial institutions, and both internal and external groups.

In this role, your key responsibilities will include:

• Managing a defined portfolio related to wholesale credit risk matters.
• Reviewing, recommending, and approving corporate credit proposals for HBCE, in line with authorized credit limits.
• Maintaining strong credit quality, consistent with the Group’s credit culture: conservative, constructive, and competitive. Promoting prudent lending principles to ensure high asset quality and minimize credit losses.
• Proactively identifying and highlighting emerging risks and substandard credit exposures, ensuring appropriate actions are taken to protect the Bank’s interests.
• Regularly engaging stakeholders and internal clients by understanding and sharing the vision, best practices, challenges, and potential solutions; collaborating on transaction pipelines, credit guidelines, portfolio or product analyses, risk appetite definition, and other credit risk initiatives.
• Maintaining regular communication with business, product, and group teams; strengthening HSBC’s strong brand image with third parties.
• Providing feedback on best practices and reviewing portfolio management and ambitious functional objectives to highlight any credit, environmental, or reputational issues.

Apply if You Match These Qualifications:

• A bachelor’s or master’s degree in business administration, finance, or a related field is typically required.
• Experience in demanding operational environments for a solid understanding of effective risk management applications.
• Ability to collaborate at all levels of the organization to understand cross-functional links and interdependencies, as well as the implications of credit and other risks on a global scale.
• Good understanding of HSBC’s overall operational dynamics.
• Development of professional skills to determine risk-based solutions.

Skills:

• Experience in credit risk within relevant business sectors (Commercial Banking/Investment banking).
• Strong communication and interpersonal skills, including the ability to advocate for risk management in business language.
• Proven ability to prioritize competing demands.
• Demonstrated capacity to assess risk trends, both internally and externally.
• Maturity, resilience, and excellent negotiation and communication skills.
• Proficiency in English (spoken and written); French is an advantage.
• Strong financial and accounting acumen.

What you’ll get in return:

HSBC operates multiple variable pay plans, to reflect the diverse nature of the businesses, roles and markets in which we operate. Variable pay is designed to reward colleagues for their individual performance and contribution, as well as the performance of their relevant Business / Infrastructure, and the overall Group.

We offer a comprehensive and competitive package of benefits covering usually covering healthcare, life assurance, pension, and family friendly leaves, as well as many other benefits to support your wellbeing.

• We’ll help you progress your career, including access to development programmes, through HSBC University and our Degreed platform
• You can work your way and will have a say in when, where and how you and your team flexibly work together
• Our benefits will give you financial security, and can include company savings plan (PEE), savings plan for collective retirement, mutual insurance for you and your family, loyalty bonus, a Time Savings Account to monetize untaken off days (CET)…
• A Work Council which offers ticketing, travel, sports, legal aid, Christmas vouchers, Summer break vouchers…
• Our family-focused benefits can help you to support your loved ones and include family events days off (wedding, civil union…), additional maternity or breastfeeding leave, birth bonus, partial reimbursement of childcare costs, assistance to employees taking care of a relative with disability…
• We’ll give you a huge range of resources that support your well-being (yoga, sophrology, Mindfulness app)
• You’ll have international opportunities - this can be your place to start and branch out to anywhere we have offices
• A work environment that promotes Diversity & Inclusion, where you’ll be able to join our different Employee Resource Groups
• These benefits are on top of local usual benefits in France (refund of transport fees at 50%, 5 weeks of paid vacation & RTT, meal voucher card or corporate restaurant depending on location)

HSBC has been certified “Top Employer 2026” in Europe. This recognition from the Top Employers Institute rewards our HR practices and recognises HSBC as an HR Leader in several countries in Continental Europe. Not only is HSBC a great place to work, but we also offer the following unique and exciting benefits & opportunities!

Being open to different perspectives is important for our business and for all our stakeholders. At HSBC, we are committed to making our workplace inclusive by removing barriers and ensuring that careers are accessible to everyone.

If you require any adjustments during the recruitment process, please let us know.

Being open to different points of view is important for our business and the communities we serve. At HSBC, we’re dedicated to creating diverse and inclusive workplaces. We are committed to removing barriers and ensuring careers at HSBC are inclusive and accessible for everyone to be at their best.

If you have a need that requires accommodations or changes during the recruitment process, please let us know.

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.

For further information on building your career at HSBC, please visit: www.hsbc.com/careers