Job Description

Job description
Some careers open more doors than others.


If you're 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.





Wealth and Personal Banking serves more than 50 million customers worldwide with a complete range of banking and wealth management services to enable them to manage their finances and protect and build their financial futures. It is a global business that brings together management responsibility for Retail Banking, Wealth Management, Insurance and Asset Management with a focus on customer-centric propositions and innovative and efficient distribution channels.


Principal Responsibilities


• Formulate and implement a Personal banking strategy for the region, with the objective of ensuring that all individual staff meets their KPIs.
• Work with the Top Tier Team to deepen and develop long term client relationships and enhance the clients trust in HSBC to meet their needs.
• Lead by example and create a vibrant sales and service culture within the region where frontline people are bound by a sense of excitement and pride of achievement.
• Ensure the growth of RBWM business in line with India Strategic Plan / AOP
• Contributes to area of profitability
• Work closely with INM of RBWM strategy
• Deliver maximum sustainable contribution by deploying product, service & channel propositions.
• Articulate customer needs, behavior and preferences to proposition and product teams to ensure identified customer needs are reflected in marketing and product development.
• Ensure a consistently high level of product and service delivery in line with customer needs across the region.
• Develop and maintain good customer relations
• Contributes to enhancing the banks image and visibility in the market place
• To provide effective leadership and create an environment that continues to improve on staff engagement in the area/region working with RBWM colleagues and supporting a high performance culture
• Deliver the Face to Face part of RBWM plan including overall structure, sales goals, P&L performance and leads/sales prospect management.
• Develop the organization's change management capabilities
• Drive projects in response to market changes and opportunities in line with RBWM strategy.
• Maintain HSBC internal control standards, implement and observe Group Compliance Policy and maintain awareness of operational risk and minimize the likelihood of it occurring
• Remain 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 activities
• Support the Country or Regional FCC AML Office/ AML Investigations by providing additional information when required
• Responsible for attending and successfully completing the AML and Sanctions related assigned training in the mandated timeframe
• Understanding 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 manager
• Demonstrate 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 mail
• Responsible for ensuring that mandatory education / training and other compliance objectives are included in the performance objectives and are completed in a timely manner.
• To be aware and Identify high risk indicators for various products and Services offered by INM RBWM example Cash, insurance, credit cards products etc
• Ensure that all records are obtained in respect of INM RBWM 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 transfers
• Ensure 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 Procedures
• To 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 same
• Necessary remediation steps needs to be undertaken in case if there is any breach or non-adherence to the policy laid down in the LoBP
• Must 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 clarification
• The 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 an effective and polite manner
• Ensure 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
Requirements
Knowledge & Experience


• Proven ability in team leadership and management
• Proven ability in Retail distribution
• Demonstrate behaviors consistent with HSBC Values
• Proven adherence to controls and compliance with no significant breaches
• Expertise in financial planning and related systems and processes
• Branch banking and / or commercial lending experience.
• Proven and progressive management experience.
• Strong marketing, sales, management planning, financial, leadership, project management and communication skills.
• Strong ability to use numerical data to develop tactical plans within the broad context of strategic plans.
• Excellent understanding of the unique markets serviced.
• Sound understanding of the Company's customer segments, products offered and competitive market.

Skills


• Excellent interpersonal skills, with a particular emphasis upon inspiring, influencing and negotiating
• Coaching sales techniques, best practice and sales management on a team and one to one basis
• Planning and organizing skills
• Analytical skills
• Problem solving skills

Qualifications and Certificate


• Attain appropriate professional and regulatory qualifications as required by the local market
• Attain any internal standards as required by market
• Make considered decisions that protect HSBC & our clients
• Minimum Bachelor's degree / Graduation or as required for the role, whichever is higher

Additional Information


• •Mandatory to successfully complete Anti-Money Laundering and Sanctions training and post-course assessment, as required.•
• •The GCB 3 or GCB 4 will be offered depending on the selected candidate's skill and relevant experience•

Useful Link
Link to Careers Site: Click HERE

You'll achieve more when you join HSBC.

HSBC is committed to building a culture where all employees are valued, respected and opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working and opportunities to grow within an inclusive and diverse environment.

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