Manager Regional WPB Underwriting and Valuation (UAE National)

Overview

Duties & Responsibilities

• Support the timely and accurate implementation of Credit Policy changes in risk systems, participate in UAT, and help cascade updates to specialist underwriters to ensure decisions reflect the latest policy.
• Contribute to day-to-day underwriting by balancing risk and business needs, while operating within regulatory requirements and the operational risk framework.
• Assess and process high-value exception cases across IWPB products in the UAE and Qatar, ensuring appropriate documentation and approvals are in place.
• Monitor and help manage exception volumes in line with FIM-recommended approval rates, escalating where required.
• Share best practices and support process simplification initiatives with underwriting colleagues in Egypt, as needed.
• Support audit activities by providing evidence, responding to queries, and assisting with closure of action points for the Retail Risk Underwriting function.
• Assist with NFRO requirements for Retail Risk Underwriting, including data gathering, tracking, and reporting.
• Review secured credit transaction proposals and high-value exceptions for unsecured facilities, ensuring alignment with lending policy, the bank’s risk appetite, and CBUAE regulatory expectations.
• Approve credit proposals within Personal Approval Authority; where above limit, escalate with clear justification to HO RRU, HO Retail Risk, and the MENAT CRO, balancing risk management with business growth and economic profit objectives.
• Maintain strong working knowledge of credit policies, application and core banking systems, and underwriting processes; recommend policy enhancements based on trends in exceptions, referrals, fraud indicators, and skips.
• Produce monthly management information (MI) to support decisions on growth priorities and effective risk management.
• Build strong working relationships with business and functions to:
• Review and re-assess portfolios to drive healthy growth within approved risk appetite and lending guidelines.
• Support profitable revenue growth in selected customer segments.
• Implement effective oversight and credit review processes.
• Engage regularly with Relationship Managers, Product Managers, and Group/other Risk teams to provide guidance on products, policy, and processes.
• Support Senior Managers in the UAE to review and manage portfolio exposures.
• Provide guidance and stewardship to the FCCS, Egypt, and Qatar underwriting teams, as appropriate.

Experience & Qualifications

• A graduation degree is essential for obtaining a UAE visa and work permit. If your university certificate is from outside the UAE, up-to-date attestations and equivalency are also mandatory (Recognition of Higher Education Qualifications Issued Outside The UAE)
• The jobholder is expected to have a high degree of competence as well as organizational / managerial ability. He/She is expected to act with a fair degree of independence and authority and must possess confidence levels to deal with, interact with and influence thought processes/decisions of senior managers in business / risk functions.
• Graduate with a minimum of 3 years of experience. Good communication and influencing skills and knowledge based on experience in handling retail credit proposals.
• Ability to understand and interpret various documents including financial statements for making a decision for the bank in terms of approval or rejection of high value loans.
• Sound knowledge of other aspects of credit risk management function and the Business as well as operations.
• Ability to work during flexible working hours caters to the demands of different time zones and working days as required.
• Ability to understand operations well and identify deficiencies well enough to have a proactive approach towards Ops Risk.
• Ability to collaborate with a team of individuals with different cultures and backgrounds
• For further details and application information please visit our careers site, searching for the reference number.
• We support our staff to adopt flexible and alternative ways of working where possible, including working from home and different hours subject to approvals.
• 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.
• 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.
• Issued by The Hong Kong and Shanghai Banking Corporation Limited