Senior Transaction Risk Manager (m/f/d), Global Trade Solutions Bewerben

HSBC Germany is a part of the HSBC Group, one of the world's leading international banks.

At HSBC, our purpose is opening up a world of opportunity. When you join our team, you can be part of something bigger. We are committed to removing barriers and ensuring careers at HSBC are inclusive and accessible. We connect you with colleagues from around the world and enable you to play an active role in shaping the future.

We are looking for employees with personality! Characters who stand up for our common goals and support one another, while at the same time finding convincing solutions for our customers. If you want to combine seemingly incompatible things at your next employer, we warmly welcome you to HSBC.

Being part of HSBC in Duesseldorf, you’ll help evolve and grow our business as a Senior Transaction Risk Manager (m/f/d), Global Trade Solutions.

Global Trade Solutions (GTS) comprises over 4,500 people across more than 60 countries, helping suppliers and buyers with their export and import finance needs. GTS is a key strategic business for the HSBC Group and is recognised as a leading trade provider both globally and regionally.

Are you curious, organised and solution oriented? Do you have a true interest for trade and receivable finance? Do you enjoy working in a team and in an international and fast-paced environment? If you answered yes to any of these questions, we want to hear from you!

What you will do:

The Transaction Risk Senior Manager is responsible for the effective identification, assessment, ongoing management, monitoring and mitigation of existing transaction risk for Commercial clients. The role is responsible for managing the overall risk within the Receivable Finance (RF) portfolio in Germany, including but not limited to credit, operational, collateral, fraud and trade credit insurance claims.

In this role you will

• Monitor portfolio trends including sectors, positions of concern, delinquent positions and non-recourse structures, ensuring alignment within risk appetite and taking appropriate action to mitigate loss including reviewing information at individual seller and portfolio level to identify anomalies and trends;
• Manage the analysis, interpretation and management of buyer credit risk. Develop strategies to minimise losses while taking into account wider seller relationship profitability, where appropriate
• Manage the undertaking and reporting via surveys on the suitability of sellers for RF lines. This includes conduct of surveys and supervision of survey activites in other countries/by outsourced partners
• Review the seller’s ability to comply with undertaking and reporting requirements, ensuring that risk identified as a result of survey work is mitigated and in collaboration with the deal team appropriate structure and subsequent risk mitigation is implemented;
• Ensure collateral remain within agreed operational guidelines, risk mitigants and controls;
• Manage underwriting of new credit opportunities and renewals including submission of appropriate recommendation to Wholesale Credit Risk;
• Produce portfolio risk reportings, participate in the preparation of the decks for risk meetings;
• Supporting and embedding change initiatives, identifying and developing new or improved delivery mechanisms
• Communicate and adhere to HSBC policy and procedures in order to ensure good operational, financial and project management, as well as early identification and effective resolution or escalation of issues that arise, taking required action in relation to points raised by audit and/or external regulators;
• Participate in various cross functional projects of the Bank in line with TRM risk monitoring function;
• Develop and recommend changes and improvements to operating models, procedures and practices based on subject matter expertise and understanding of HSBC and market best practice;

You should apply if you have

• Receivables Finance or Trade Finance experience
• Relationship Management and/or Risk experience
• Excellent stakeholder management skills
• Understanding of the regulatory frameworks and compliance requirements
• Ability to understand and interpret financial information/analysis
• Basic understanding of Germany/Europe Insolvency Law

• Fluent in both spoken and written German and English languages

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

Not only is HSBC a great place to work, but we also offer the following unique and exciting opportunities and benefits:

• Work-life balance: We offer flexible working models such as flextime, home office and part-time options.
• Family friendliness: You find it hard to reconcile your family and your career? Not with us! Among others, we offer (comprehensive/ wide-ranging) child care options in our company nursery schools.
  
• Development: At HSBC we never stand still. Thanks to HSBC My Career and HSBC University, we offer you the opportunity for continuous (personal) development and to acquire future skills. This includes helpful tools for individual career planning.
  
• Perks and Financial Security: Our company ticket, a company bike, a subsidized canteen, IT Leasing options or discounts from our ‘Corporate Benefits’ programme – will help you save money! Every employee will receive an employer-funded pension and an insurance to support you in case of an accident. You can enjoy 30 days of vacation as well as additional holidays (Christmas and New Years Eve)
  
• Health: We offer a comprehensive range of health-related services such as medical check-ups, Sabbaticals, a lifetime working time account, a family service, joint sports groups or Mindfulness Sessions. Take your pick!
• Internationality: You’ll have opportunities to work internationally - this can be your place to start and branch out to anywhere we have offices.
• Connecting with colleagues: You’ll be able to join our Employee Resource Groups that bring together colleagues with shared characteristics and common interests.

HSBC has been certified "Top Employer 2025” in Europe. This recognition from the Top Employers Institute rewards our HR practices and recognises HSBC as an HR Leader in France, Germany, Italy, Luxembourg, Netherlands, Poland, Spain and Switzerland.

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 and ensuring careers at HSBC are inclusive and accessible for everyone to be at their best. We value difference!

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

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.

For further information on building your career at HSBC, please visit: For further information on building your career at HSBC, please visit: www.hsbc.com/careers

Einstiegslevel

Berufserfahrene

Tätigkeitsfeld

Risk Management

Bereich

International Mid-Market

Standort

Düsseldorf

Beschäftigungsgrad

Vollzeit/Teilzeit

Stellen-ID

DE04519

HSBC Germany is a part of the HSBC Group, one of the world's leading international banks.

At HSBC, our purpose is opening up a world of opportunity. When you join our team, you can be part of something bigger. We are committed to removing barriers and ensuring careers at HSBC are inclusive and accessible. We connect you with colleagues from around the world and enable you to play an active role in shaping the future.

We are looking for employees with personality! Characters who stand up for our common goals and support one another, while at the same time finding convincing solutions for our customers. If you want to combine seemingly incompatible things at your next employer, we warmly welcome you to HSBC.

Being part of HSBC in Duesseldorf, you’ll help evolve and grow our business as a Senior Transaction Risk Manager (m/f/d), Global Trade Solutions.

Global Trade Solutions (GTS) comprises over 4,500 people across more than 60 countries, helping suppliers and buyers with their export and import finance needs. GTS is a key strategic business for the HSBC Group and is recognised as a leading trade provider both globally and regionally.

Are you curious, organised and solution oriented? Do you have a true interest for trade and receivable finance? Do you enjoy working in a team and in an international and fast-paced environment? If you answered yes to any of these questions, we want to hear from you!

What you will do:

The Transaction Risk Senior Manager is responsible for the effective identification, assessment, ongoing management, monitoring and mitigation of existing transaction risk for Commercial clients. The role is responsible for managing the overall risk within the Receivable Finance (RF) portfolio in Germany, including but not limited to credit, operational, collateral, fraud and trade credit insurance claims.

In this role you will

• Monitor portfolio trends including sectors, positions of concern, delinquent positions and non-recourse structures, ensuring alignment within risk appetite and taking appropriate action to mitigate loss including reviewing information at individual seller and portfolio level to identify anomalies and trends;
• Manage the analysis, interpretation and management of buyer credit risk. Develop strategies to minimise losses while taking into account wider seller relationship profitability, where appropriate
• Manage the undertaking and reporting via surveys on the suitability of sellers for RF lines. This includes conduct of surveys and supervision of survey activites in other countries/by outsourced partners
• Review the seller’s ability to comply with undertaking and reporting requirements, ensuring that risk identified as a result of survey work is mitigated and in collaboration with the deal team appropriate structure and subsequent risk mitigation is implemented;
• Ensure collateral remain within agreed operational guidelines, risk mitigants and controls;
• Manage underwriting of new credit opportunities and renewals including submission of appropriate recommendation to Wholesale Credit Risk;
• Produce portfolio risk reportings, participate in the preparation of the decks for risk meetings;
• Supporting and embedding change initiatives, identifying and developing new or improved delivery mechanisms
• Communicate and adhere to HSBC policy and procedures in order to ensure good operational, financial and project management, as well as early identification and effective resolution or escalation of issues that arise, taking required action in relation to points raised by audit and/or external regulators;
• Participate in various cross functional projects of the Bank in line with TRM risk monitoring function;
• Develop and recommend changes and improvements to operating models, procedures and practices based on subject matter expertise and understanding of HSBC and market best practice;

You should apply if you have

• Receivables Finance or Trade Finance experience
• Relationship Management and/or Risk experience
• Excellent stakeholder management skills
• Understanding of the regulatory frameworks and compliance requirements
• Ability to understand and interpret financial information/analysis
• Basic understanding of Germany/Europe Insolvency Law

• Fluent in both spoken and written German and English languages

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

Not only is HSBC a great place to work, but we also offer the following unique and exciting opportunities and benefits:

• Work-life balance: We offer flexible working models such as flextime, home office and part-time options.
• Family friendliness: You find it hard to reconcile your family and your career? Not with us! Among others, we offer (comprehensive/ wide-ranging) child care options in our company nursery schools.
  
• Development: At HSBC we never stand still. Thanks to HSBC My Career and HSBC University, we offer you the opportunity for continuous (personal) development and to acquire future skills. This includes helpful tools for individual career planning.
  
• Perks and Financial Security: Our company ticket, a company bike, a subsidized canteen, IT Leasing options or discounts from our ‘Corporate Benefits’ programme – will help you save money! Every employee will receive an employer-funded pension and an insurance to support you in case of an accident. You can enjoy 30 days of vacation as well as additional holidays (Christmas and New Years Eve)
  
• Health: We offer a comprehensive range of health-related services such as medical check-ups, Sabbaticals, a lifetime working time account, a family service, joint sports groups or Mindfulness Sessions. Take your pick!
• Internationality: You’ll have opportunities to work internationally - this can be your place to start and branch out to anywhere we have offices.
• Connecting with colleagues: You’ll be able to join our Employee Resource Groups that bring together colleagues with shared characteristics and common interests.

HSBC has been certified "Top Employer 2025” in Europe. This recognition from the Top Employers Institute rewards our HR practices and recognises HSBC as an HR Leader in France, Germany, Italy, Luxembourg, Netherlands, Poland, Spain and Switzerland.

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 and ensuring careers at HSBC are inclusive and accessible for everyone to be at their best. We value difference!

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

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.

For further information on building your career at HSBC, please visit: For further information on building your career at HSBC, please visit: www.hsbc.com/careers