01Overview
Job DescriptionSome careers open more doors than others.If youre 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.Job Profile:Through Retail Business Banking (RBB) our global network offers comprehensive support and services to businesses in the SME market. From expanding overseas to managing the cash and trade flows of an established enterprise, the Business Banking team of Relationship Managers and Product Specialists provides a range of end-to- end solutions designed to help small and large businesses reach their potential.The job will involve all or some of the following tasks:Manage customers within the Portfolio managed or RM Managed segments with accountability for sales, service, risk and operational delivery.This role may interact with customers via a face-to-face or direct channel environment.Responsible for managing the Relationship Management support teams,Responsible for credit and operational risk oversight for the given marketPerform Credit risk assessments.This role will be responsible for managing all aspects of sales and distribution for Retail Business Banking (RBB) in Branches, as well as design and support the strategic development and implementation of RBB new channels capabilities.The job holder is responsible to drive and achieve a significant growth while maximizing sustainable profitability for RBWM business in INM through delivering the RBB strategy. He/she is required to develop business plans and work closely with Head Sales and Distribution, RBB/ Head RBB to manage the RBB performance of all divisions to deliver business results, and establish an effective and efficient sales and service platform with relevant functions to achieve business performance which are in line with Group standards and Compliance policies.Primary ResponsibilitiesPerform overall management of client relationship/ provide guidance to branch RM and Service teams on RBB products, proposition for clients.Conduct customer due diligence including ID & V, KYC, screening, obtaining relevant approval prior to onboardingQuality check on Account profiles on all account openedConduct EKYC if appropriatedPerform periodic review and event trigger for customersEscalate any unusual activities/ suspicious transactions to FCC for investigation.The RBB RM is accountable for the performance of their portfolio and needs to ensure it is effectively run within the RBB Target Business Model (TBM) and delivers to the RBB Proposition as defined by HSBC Group.RBB RM will assist branch teams in understanding business banking clients better, meeting potential RBB clients together with branch team members when required, making suitable recommendations and helping clients in assessing the need and suitability of RBB products, proposition and services available to them.The incumbent is required to conduct product training to support and deliver new product launches and lead client education events to help client gain better knowledge of financial markets and financial solutions, thus providing important support to function to the Premier proposition which is of strategic propriety for HSBC.Principal AccountabilitiesImpact on the Business / FunctionImprove customer acquisition, Optimize revenue through aiding customers to identify their needs and providing solutions to those needs through the optimum channel and ensuring completion of the sale where that can be achieved by the product fulfillment, Optimise the configuration of all physical distribution channels to enhance the customer experience, reduce costs and increase sales.Proactively develop effective strategies to manage both existing and new relationships, by anticipating customer needs and providing a superior service and productsKeep up-to-date on knowledge of HSBCs international and domestic strategy, capabilities and policies, and of external factors influencing international and domestic business e.g. economic, cultural, geographical, procedural and regulatory requirementsCollaborate with RBB colleagues, and broader RBWM and CMB teams to ensure the collective needs of customers are met through appropriate Group solutionsEnable and encourage the generation of referrals for Premier, Advance, Mass and CMB segmentsGenerate quality assets through the use of appropriate risk management tools, priced appropriately for risk and in line with customer needsMaximize profit and achievement of the growth of RBB clients portfolioAchieve agreed financial targets by development of existing and new relationshipsComplete regular reviews with clients to understand their current and long term needs and advise them on the products and services that help them achieve their goalsEffective use of tools and information to drive client service delivery and RBWM .
