Some careers have more impact than others. If you’re looking for a role where you can continue to make an impression, take the next step at HSBC where your contributions will always be valued. Role Purpose This role reports to the Head of IWPB, India and oversees Underwriting, Collections, external Fraud Management and non-financial risk controls, including business financial crime risk, conduct, sales and suitability, and operational risks for the market. The role is strategic in nature while requiring excellent day-to-day delivery capability and strong subject matter expertise.
• Ensure sustainable lending to Premier & Wealth customers through effective credit underwriting for all asset origination.
• Support customers in financial difficulty and manage the credit loss line of the business effectively.
• Manage credit bureau and alternate data to support enhanced customer decisions and credit bureau reporting.
• Protect Retail and Private Banking customers from fraud, balancing gross and net fraud losses with customer friction across payments and lending.
• Implement Credit and Fraud strategies in relevant decision systems in support of the credit and external fraud customer agenda.
• Oversee non-financial risk relating to Wealth and Personal Banking, including financial crime risk, conduct risk, sales suitability and operational risk. The role holder will also support the Head of IWPB in representing the market across relevant risk and controls forums and act as delegate in the absence of the Head of IWPB. As an entity Director, the role holder will chair and/or participate in relevant forums, take decisions and effectively oversee responsibilities delegated under the role.
• Accountability for Fraud Strategy and Management Oversight, reporting and governance for the market, including fraud operations for CCS.
• Effective oversight of operations across onshore teams and GSC units.
• Accountability for Sales Quality Assurance, supporting the market in ensuring appropriate sales outcomes.
• Accountability for Business Financial Crime Risk for the market. Principal Accountabilities
• Efficient customer underwriting for all Premier & Wealth credit types,



including Credit Cards, Personal Loans and Mortgages, by leading Credit Underwriting and ensuring end-to-end customer journey optimisation.
• Effective default management for customers in financial difficulty by leading Collections Strategy and Operations.
• Proactive customer defence from external fraud and risk through effective strategy development and operations management.
• Proactive management of Credit Bureau and alternate data providers, including incoming and outgoing data quality, cost control, demand management and support of the international proposition.
• Effective and resilient operation of decision infrastructure, with ongoing engagement with Risk and Products on strategy changes that improve customer outcomes.
• Effective management of non-financial risk for local Premier & Wealth, with a focus on client risk and operational resilience.
• Effective management of fraud risk for local Premier & Wealth.
• Fraud Strategy and Management Oversight, reporting and governance for the market, including fraud operations for CCS and Sales Quality Assurance.
• Effective oversight of operations across onshore teams and GSC units.
• Accountability for Business Financial Crime Risk for the market. Leadership & Teamwork
• Lead multiple, disparate and large teams that provide essential support to the business.
• Ensure teams are appropriately resourced with experienced professionals, are highly engaged and deliver output to the highest standards.
• Drive disciplined execution and day-to-day delivery across Credit, Collections, Fraud, Operations, Sales Quality Assurance and Business Financial Crime Risk.
• Coordinate effectively across onshore and offshore teams and sub-functions to optimise resource use and customer outcomes.




• Navigate senior stakeholders and business partners to achieve the role's principal accountabilities. Knowledge & Experience / Qualifications
• Deep technical experience in managing retail lending across the entire credit cycle, as well as external fraud.
• Previous experience in Risk Management.
• Comprehensive knowledge of the external environment, including risk, regulatory, political and competitor dynamics.
• Outstanding relationship management, collaboration and influencing skills, with experience of positive and challenging interactions with senior executives across multiple functions.
• Risk & Control subject matter expertise.
• Ability to distil complex and varied information into useful, insightful and concise recommendations.
• Ability to identify, assess and communicate the need for risk management intervention in complex, fast-paced environments.
• Clear understanding of evolving market trends that impact the credit and fraud environments for customers and the Bank.
• Degree in business or a related discipline, with proven and progressive analytical, planning and project management experience in a business or project management function, or equivalent experience.
• Proven track record in driving robust business performance and leading and managing change, particularly in a sizeable and dynamic organisation.
• Ability to seek out and improve on best practice and capability.
• Strong business acumen, organisational and strategic planning skills.
• Strong leadership, influencing and communication skills, with the ability to navigate senior stakeholders and business partners. Opening up a world of opportunity http://www.hsbc.com/careers 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 developmenat, flexible working and opportunities to grow within an inclusive and diverse environment. 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..

📌 Head of Fraud, Credit (Mumbai)
🏢 HSBC
📍 Mumbai