Sr Associate Corporate Employee Banker MSF

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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, Personal Instalment Loan (PIL), Loan Against Securities (LAS), Loan Against Mortgage (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 Relation Manager 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 Accountabilities

Impact on the Business / Function

• Responsible for Asset product disbursals of the Mobile Sales Force Channel
• Back-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, Credit Risk Unit (CRU), Counterparty Credit Risk (CCR),India Management (INM), legal, etc.
• Regular monitoring of status of logged in applications.

Leadership & Teamwork

• Developmental & coaching intervention for the Channel Partner
• Effective co-ordination with all stakeholders
• Identify cross-sell opportunities for other product lines and sell / refer these to the RMs
• Operational Effectiveness & Control
• Discrepancy rates in applications

Fraud control

• Comply with the applicable laws, regulations, Group and local guidelines related to
• Sanctions and Anti-money laundering policy of HSBC while undertaking various day to day operations remain alert and promptly report to the Sanctions Officer/ India Management Financial Crime Compliance 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 Politically Exposed Person(PEP) acceptance, prohibition, Customer Due Diligence & Enhanced Due Diligence guidelines in order to ensure that the INM Retail Banking and Wealth Management is fully compliant with the PEP  Line Of Business Procedure.
• 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
• 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 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 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 need 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 a 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

Role Dimensions

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

Qualifications - External

• Graduate/Post Graduate (Masters)/ MBA with two to five years’ work experienc

Pro-tip : Familiarity with AI-enabled tools is an advantage. 

As an employee, you are required to perform your duties in a professional capacity exercising independent judgement, discretion and decision-making authority in planning, organising, directing work, supervising and appraising the work of team members, as applicable; and taking accountability for delivery outcomes. You will represent the organization with relevant internal and external stakeholders. You will allocate and prioritize work, provide direction and feedback, manage team capacity and leave in line with policy as applicable.

You’ll achieve more at 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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