Universal Banker

Wealth and Personal Banking (WPB)

Wealth and Personal Banking is our new global business combining Retail Banking and Wealth Management, and Global Private Banking, to become a global wealth manager with trillions in assets. Our dedicated colleagues serve millions of customers worldwide across the entire spectrum of private wealth, ranging from personal banking for individuals and families, through to business owners, investors, and ultra-high-net-worth individuals. We provide products and services such as bank accounts, credit cards, personal loans, and mortgages, as well as asset management, insurance, wealth management, and private banking, that best suit our customers' needs.

We are currently seeking an experienced professional to contribute to our team.

In this role, you will:

Impact on the Business/Function

• Contribute to an environment where the wider Branch team maximises performance to achieve WPB business objectives.
• Deliver the standards of service quality required by achieving SLAs.
• Offer value-added products and services based on customer need and ensure customer understanding of those products, before referral to sales staff for fulfilment.
• Able to refer existing HSBC customers to other propositions, cross-sell other simple WPB products and services, and refer to specialist areas where necessary.
• Support cross-sale penetration via customer referrals.
• Excellent banking and transactional knowledge, promoting Self-Service and digital channel capabilities where appropriate.

Customers / Stakeholders

• Meeting customer expectations in terms of efficiency, accuracy, timeliness, and professionalism either in branch or on the telephone.
• Responsible for the customer journey of any simple products sold or complex referrals where appropriate.
• Deliver new income opportunities through initiatives which support development of new and existing customer relationships.
• Deliver fair outcomes for our customers and ensure own conduct maintains the orderly and transparent operation of financial markets.

Leadership & Teamwork

• Support achievement of the HSBC vision, values, goals, and culture in personal behaviour, actions, and decision-making.
• Take personal responsibility for understanding and agreeing performance expectations, completing the necessary mandatory training, and developing the levels of capability and competence needed to be effective in the role.
• Contribute to team development, effectiveness, and success by sharing knowledge and good practice, working collaboratively with others to create a productive, diverse, and supportive working environment.

Operational Effectiveness & Control:

• Individuals are responsible for their own effectiveness, development, and results. Specialist or Subject Matter Experts, where matrix management and understanding of Group strategy is expected. Their contribution is often as a technical/professional specialist in their field.
• Suggest ideas and contribute to implementing actions that will improve customer service, quality, or the way teams and individuals work together.
• Adhere to HSBC policy, procedures, and control requirements applicable to day-to-day working, exceptional, and project activities, and raise any concerns about actual or potential issues promptly, in line with reporting and escalation procedures.
• Continuously monitor and gather information to assess potential impacts and identify possible risks and opportunities for the business.
• Apply policies, procedures, practices, and standards to their allocated tasks, taking responsibility for their own actions, to ensure the achievement of high levels of quality, effective risk management, and regulatory compliance.

To be successful in the role, you should meet the following requirements:

1. Knowledge & Experience

• Bachelor's degree or equivalent experience. At least half years' experience in HSBC WPB roles. Strong communication, client focus, and influencing skills. Sound knowledge of HSBC product and services, esp. digital channel knowledge. High potential to be in a sales role within half years. Result-driven and able to work under pressure. Local regulatory & license requirements. Clear view on how to work with Compliance, Credit & Risk, and Internal Control to ensure a balanced risk operating environment. Able to communicate well in English and local languages.

2. Accreditations

• Attain appropriate professional and regulatory qualifications as required by market. Attain any internal standards as required by HBCN.