Credit Manager (f/m/d) - Wholesale Credit and Market Risk HBCE- in Banks, Sovereigns and NBFI team

Being part of HSBC in France , you’ll help evolve and grow our business.

What you will do:

Join HBCE Wholesale Credit & Market Risk in Paris to manage and oversee credit risk matters for CIB business in France and European subsidiaries. You’ll sit in the Banks, Sovereigns and NBFI team, acting as a key credit approval and portfolio oversight partner for Continental Europe business and product teams, ensuring strong asset quality and timely, commercially competitive credit decisions.

In this role you will:

• Manage a portfolio  and act as the primary contact for all Wholesale Credit Risk matters (approvals, portfolio/sector reviews, problem exposures, processes/policies/guidelines).
• Review, recommend and approve  credit proposals in line with authorised credit limits; liaise with Regional WCR / Group Risk when required.
• Maintain sound credit quality  aligned to HSBC’s credit culture (conservative, constructive, competitive) and promote prudent lending to minimise credit losses.
• Identify, escalate and remediate emerging risks  and sub-standard exposures; ensure actions are taken to protect the Bank’s interests with active involvement of business risk owners.
• Engage stakeholders  across Business/Product/Group and in-country Risk teams; collaborate on transaction pipelines, credit guidelines, portfolio/product reviews and appetite definition.
• Drive efficient execution  by minimising approval backlogs, delivering decisions within competitive timeframes, improving submission quality, and flagging issues/showstoppers early (incl. participation in pipeline meetings).

You should apply if you have:

• An  undergraduate or post-graduate degree in Business Administration, Finance, or a related field.
• Credit risk experience  in relevant business lines (e.g., CIB, GM) with exposure to Banks, Sovereigns and NBFI credit scopes.
• The ability to  influence senior stakeholders  and build effective relationships across functions and geographies.
• Strong  communication and interpersonal skills , able to translate risk considerations into business language.
• Proven ability to  prioritise competing demands  and operate effectively in demanding environments.
• Capability to  assess internal/external risk trends  and understand triggers (economic conditions, sector disruption, technology, market events, regulatory change), including broader risks (e.g., sustainability, reputational, operational).
• Resilience , with sharp negotiation and communication skills.

Even if you feel you do not meet 100% of our qualifications, we encourage you to apply, if you believe this role is right for you.

What you’ll get in return:

HSBC operates multiple variable pay plans, to reflect the diverse nature of the businesses, roles and markets in which we operate. Variable pay is designed to reward colleagues for their individual performance and contribution, as well as the performance of their relevant Business / Infrastructure, and the overall Group.

We offer a comprehensive and competitive package of benefits covering usually covering healthcare, life assurance, pension, and family friendly leaves, as well as many other benefits to support your wellbeing.

• We’ll help you progress your career, including access to development programmes , through HSBC University and our Degreed platform
• You can work your way and will have a say in when, where and how you and your team flexibly work together
• Our benefits will give you financial security , and can include company savings plan (PEE), savings plan for collective retirement, mutual insurance for you and your family, loyalty bonus, a Time Savings Account to monetize untaken off days (CET)…
• A Work Council which offers ticketing, travel, sports, legal aid, Christmas vouchers, Summer break vouchers…
• Our family-focused benefits can help you to support your loved ones and include family events days off (wedding, civil union…), additional maternity or breastfeeding leave, birth bonus, partial reimbursement of childcare costs, assistance to employees taking care of a relative with disability…
• We’ll give you a huge range of resources that support your well-being (yoga, sophrology, Mindfulness app)
• You’ll have international opportunities - this can be your place to start and branch out to anywhere we have offices
• A work environment that promotes Diversity & Inclusion , where you’ll be able to join our different Employee Resource Groups
• These benefits are on top of local usual benefits in France (refund of transport fees at 50%, 5 weeks of paid vacation & RTT, meal voucher card or corporate restaurant depending on location)

HSBC has been certified “ Top Employer 2026” in Europe. This recognition from the Top Employers Institute rewards our HR practices and recognises HSBC as an HR Leader in several countries in Continental Europe. Not only is HSBC a great place to work, but we also offer the following unique and exciting benefits & opportunities!

Being open to different points of view is important for our business and the communities we serve. At HSBC, we’re dedicated to creating diverse and inclusive workplaces. We are committed to removing barriers & ensuring careers at HSBC are inclusive and accessible for everyone to be at their best.

If you have a need that requires accommodations or changes during the recruitment process, please let us know.

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