汇丰
Associate Director, Credit & Capital Management
Associate Director, Credit & Capital Management
发布于 3 天前中层管理(经理/总监)
上海市
高级经验
全职员工
混合式弹性办公
学历未注明
商业策略与发展
Analytical Skills
Credit
Cross-Functional Collaboration
Lending
Portfolio Analytics
Risk Management
Stakeholder Management
AI 估算 · 40k–70k
外资银行Associate Director级别，在上海的薪资水平较高，且职位要求资深信贷经验，市场竞争力强。
职位详情
关于这个职位
该职位是汇丰商业银行部下属信贷与资本管理（CCM）产品与设计团队的副总监，主要负责制定全球信贷产品策略、推动目标运营模式落地，并管理产品绩效
你将与全球跨部门团队协作，优化信贷流程和风险指标，支持业务增长
适合有深厚信贷经验、擅长跨团队协调和战略分析的专业人士
最低要求
Strong Credit and Lending experience
Ability to effectively build and maintain strong stakeholder relationships.
Ability to identify and manage complex requirement.
Ability to drive and delivery products with competing priorities, ensure timely delivery of objectives.
Advanced analytical skills with a focus on strategic decision-making, backed by high degree of attention to detail.
Experience in driving cross-functional teams' collaboration and achieve objectives.
Evidence of self-development across a number of disciplines
工作职责
The role holder is responsible for supporting the Head of CCM (Credit & Capital Management) Product & Design on development and delivery of the overall lending product strategy.
This includes design, initiatives and ongoing management of CCM lending products and processes aligned to propositions, segmentation and participation models.
The holder must anticipate future market conditions in a changing context (incl. pricing, risk, regulatory and customer insight); and drive product performance within this context. The role holder will lead the definition of CCM's target state process architecture and operating model, and will provide direct design support to delivery teams and help directly drive tangible user outcomes.
The role holder will drive the global strategy, development, management, oversight and governance of CCM products.
The role holder will support implementation of a consistent Target Operating Model (TOM), as well as the development of business tracking / performance metrics e.g., portfolio analytics, pricing tools etc.
The role holder will support local product initiatives and government schemes where relevant.
The role holder will contribute to the performance of the lending product including the lending risk indicators and monitoring activities.
The role holder will support wider Credit & Lending stakeholders in the submission of new processes and products to the CCM Design Authority.
The role holder will support business strategy & objectives including growing revenue, ROTE and profitability in a fast-changing environment.
Leadership & Teamwork
Support the team by quickly familiarising stakeholders with our purpose and expectations and working with them effectively to deliver strategic outcomes.
Support leadership in communication of strategic direction across global, regional and country structures.
Support and encourage constructive cross-country, cross function, and cross-business teamwork by demonstrating collaboration and taking prompt action to address any activities and behaviours that are not consistent with HSBC's diversity policy and / or the best interests of the business and its customers.
Promote an innovative and lateral thinking approach when formulating solutions.
Give timely, honest and constructive feedback to others.
Be flexible and adaptable in an environment of constantly changing priorities, challenging bureaucracy and staying true to the values and strategy of the Group.
Customers & Stakeholders
Primary customers are:
Wider CCM functional and delivery teams
Group Functional Teams – e.g. Risk, Group Finance, IT
Operational support teams
Group & Regional teams
Risk Steward sub-functions in both 1st & 2nd Line of Defence
Other stakeholders on projects will include (as demanded by specific project need):
Regulatory authorities
Service delivery functions
Data service providers
Software, data and service vendors
AI 洞察
优缺点分析
优点
- 外资银行巨头平台，信贷产品管理经验具有高市场认可度
- 混合办公模式，工作弹性大，有利于平衡工作与生活
- 职位涉及全球战略，能接触高层决策，快速提升商业洞察力
- 公司提供完善的培训体系和职业发展支持
- 需要同时处理多方利益相关者，协调复杂度高，沟通成本大
- 工作节奏较快，需适应不断变化的优先级和监管环境
- 作为中层管理，需平衡战略规划与执行细节，对精力要求高
- 适合具有5年以上信贷或金融产品经验、擅长跨团队协作、有志于向全球银行高管发展的资深专业人士
缺点 / 挑战
暂无明显挑战项
角色解读
- 在汇丰内部可晋升为CCM部门负责人或更高管理层，例如Head of CCM Product & Design
- 积累全球银行产品战略经验后，可转向其他金融机构或金融科技公司担任产品总监或总经理
- 通过参与重大项目，提升战略视野和领导力，未来有可能进入集团高管层
- 制定全球信贷产品策略，推动产品设计与持续管理，确保与市场、风险、监管趋势一致
- 领导目标操作模型（TOM）的落地，开发业务跟踪指标（如组合分析、定价工具）
- 与风险、财务、IT等部门协作，协调跨区域、跨职能团队，推动产品交付
- 监控信贷风险指标，支持业务收入、ROTE和盈利增长目标
- 深厚的信贷与贷款领域经验，熟悉产品生命周期和风险管理
- 强大的利益相关者管理能力，能有效协调全球团队
- 高级分析技能，注重战略决策与细节，能处理复杂需求并按时交付
- 跨职能团队领导经验，能在优先级竞争环境中推动结果
申请策略
- 了解汇丰近期在亚洲信贷市场的战略重点，在面试中展示对业务方向的洞察
- 强调自己对“net zero”转型的理解，因为JD提到了“transition to net zero”，这符合HSBC的ESG战略
- 突出信贷产品管理的具体案例，如成功推动产品上线或优化流程，附上量化成果（如收入增长、效率提升）
- 强调跨部门协作经验，特别是曾协调风险、技术、业务团队达成目标
- 展示与职位要求匹配的分析能力，例如使用数据分析工具（如SQL、Python）处理组合分析
- 提及领导力相关经历，如带领项目或团队，以及自我发展的证据（如证书、培训）
- 补充信贷风控知识，尤其是巴塞尔协议或本地监管要求（如中国银保监会规定）
- 提升战略规划工具使用能力，如平衡计分卡或商业模式画布
面试指南
- 针对产品策略问题，可使用STAR法则：说明情境、任务、行动和结果，突出量化成效
- 针对优先级管理问题，强调使用工具（如优先级矩阵）和沟通策略，确保透明与共识
- 针对协作问题，展示你如何识别关键利益相关者，建立信任并推动共同决策
- 请描述一个你如何制定并实施信贷产品策略的经历？
- 你如何管理多个冲突的优先级，确保关键目标按时交付？
- 请举例说明你如何与风险、财务等部门协作，推动产品创新？
- 你如何看待当前全球信贷市场的主要风险，以及如何应对？
- 在HSBC的混合办公模式下，你如何保障团队协同效率？
职位点评
74
综合评分
外资银行中层管理，侧重产品战略与跨部门协作，薪酬优厚但挑战不小，适合追求职业进阶的信贷精英。
更适合这类人
适合以职业发展和技能成长为主要驱动，同时希望获得稳定高薪和一定工作弹性的资深专业人士。
表现最好
成长发展
相对薄弱
使命价值
薪资福利80
成长发展85
工作生活70
使命价值60
薪资福利
80较高
该职位薪资待遇在市场中偏上，且为外资银行正式员工，福利完善，补偿性动机满足度较高。
薪资信号未披露（AI估算：40K-70K/月）
成长发展
85较高
职位提供全球策略制定机会、跨职能协作及领导力锻炼，成长空间大。汇丰有内部培训和晋升文化。
技术前沿传统/成熟技术
成长机会continuous professional development、opportunities to grow
业务类型profit_center
工作生活
70中等
混合办公模式提供了弹性，但银行业整体工作强度较大，且未明确WLB保障，生活化动机满足度中等。
工作模式混合式弹性办公
办公地点市区核心地段
加班情况未提及（无法判断）
工作生活平衡flexible working
使命价值
60中等
商业银行属于稳定行业，社会责任一般，转型净零有一定意义感，但整体使命感不强。
行业发展稳定成熟行业
社会影响中性/一般
使命信号transition to net zero
创新程度稳健跟随主流
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