Md Ali Alam
Bengaluru
Summary
Seasoned professional with 19 years in credit risk management within business banking and mid-market sectors across the UK, Canada, and Hong Kong. Currently drives credit assessment and loss prevention strategies in HSBC's wholesale credit approvals team. Skilled in analyzing financial statements and knowledgeable in various credit products, including trade finance and term loans. Excels in negotiation and leading discussions with senior stakeholders in credit approval forums.
Overview
19
19
years of professional experience
Work History
Assistant Vice President - BB & MME Approvals – Hong Kong Wholesale Credit Risk
HSBC Global Resourcing Pvt. Ltd
04.2024 - Current
- Undertakes judgmental credit approvals of HASE CMB (BBD & CBA) of Hang Sang Bank, Hong Kong. The credit proposals encompass multiple credit products across various industry sectors which are submitted by the HASE CMB (BBD & CBA) for appraisal & approval.
- Analyzed new and existing counterparties in the Commercial Banking Segment of HK and approved or recommended lending positions.
- Collaborated with colleagues within WMR CoE, WMR HBCA, and HBCA Middle Market / Business Banking Relationship teams to independently develop and finalize credit proposals.
- Closely monitor risk events and timely recommend action plans for overcoming observed weaknesses.
- Identified warning signals such as past due, excesses, and adverse market information to facilitate timely corrective actions.
- Closely monitor risk events and timely escalate to management.
- Participate in credit / WWM meetings with Front Office / HK WCRM colleagues.
- Coached, trained, and mentored new joiners to enhance team knowledge and integration.
- Subject matter expert, first point of contact for the team on any queries related to policy & procedures.
- Prepare for audit, regulatory initiatives and internal projects pertaining to credit risk management.
- Provide administrative support to VP & Team Lead to manage operations e.g. leave and workflow management, business contingency planning, access recertification.
Assistant Vice President – BB & MME Approvals - Canada Wholesale Credit Risk
HSBC Global Resourcing Pvt. Ltd
04.2020 - 03.2024
- Analyze new / existing counterparties in the Middle Market / Business Banking Segment of HBCA and approve / recommend lending proposals within appropriate delegated credit authority.
- Reviewed credit submissions, challenged Relationship Manager propositions, and approved or recommended lending positions within delegated authority while mitigating Bank risks.
- Supported frontline team in business growth within acceptable risk parameters and appetite.
- Contribute in implementing the Bank’s overall Credit Risk Management strategy.
- Attended credit and risk meetings with Front Office and HBCA WMR colleagues to align on risk management strategies.
- Represent WMR CoE in Shared Services and New Business initiatives where required.
Manager - Business Banking Approval team – UK Wholesale Credit Risk
HSBC Global Resourcing Pvt. Ltd
09.2016 - 04.2020
- The aim of this job is to contribute towards building sound asset quality and a conservative credit culture and ensuring that the credit approval process is responsive to customer needs.
- Delivered quality and timely approvals while maintaining credit standards.
- Maintain appropriate credit standards in the approval and control of lending.
- Credit underwriting, monitoring and control for Commercial Banking business in UK.
- Maintained a stable lending portfolio aligned with Group and Commercial Banking policies.
- Managed workflows to optimize unit operations and enhance service delivery.
- Facilitated stakeholder communication to align project goals with business objectives.
- Ensure business continuity and stability.
Assistant Manager - Risk Identification & Credit Sampling – UK Wholesale Credit
HSBC Global Resourcing Pvt. Ltd
02.2013 - 09.2016
- Sample credit applications for HSBC Bank UK - Commercial and Corporate Banking segment which are based on specific sectors, regions, relationship managers and cover the following:
- Review compliance with credit policies and lending guidelines.
- Review of ongoing compliance with terms and conditions of approval.
- Assess and comment on the appropriateness of the risk rating assigned to the relationships.
- Evaluate the facility structure for compliance with established standards.
- Identify initial stress symptoms and recommend comprehensive follow up actions.
- Provided detailed input and appropriate mitigants to Relationship managers, Risk Management Committee, and Credit Committee based on identified sampling issues.
- Ensure strict adherence to internal control measures aligned with regulatory standards, reporting control weaknesses and compliance breaches.
- Assist in the preparation of the Credit Risk review reports.
- Focused on enhancing the bank's credit portfolio quality to mitigate risks and support lending decisions.
Customer Service Executive - Credit Approval & Risk Management
HSBC Global Resourcing Pvt. Ltd
11.2009 - 02.2013
- The CARM process involves consolidating the facilities provided to commercial customers in line with the securities provided which helps to review and evaluate the total risk and exposure to the bank prior to credit approval. CARM supports the preparation of credit applications, and the job involved the following:
- Audited pre and post approval work in CARM and Browser Main Menu, including limit releases, fee processing, interest rate adjustments, and providing feedback to processors to enhance accuracy.
- Maintained regular MI on technical resubmissions and analyzed GSC errors to enhance overall quality of work and support team objectives.
- Participated in conference calls with other sites to negotiate process improvements and standardization, fostering collaboration and alignment across teams.
- Contributed to the Rewards and Recognition (R&R) core group and organized several events for the AVP span, including the monthly State of Nation.
Customer Service Executive - Fraud Prevention Operations
HSBC Global Resourcing Pvt. Ltd
11.2006 - 11.2009
- The department deals with prevention and detection of fraudulent activity on credit and debit cards issued by HSBC bank in the United States. The main function of the department is to prevent and act on fraudulent activity on card-members’ accounts. This was done through several means, specifically by making outbound calls, receiving inbound authorization calls and working with fraud card systems (Back-end).
- Proficient in fraud types, fraud strategies, fraud policies & procedures, authorization processing, fraud detection rules.
- Ensured accurate maintenance of card member accounts while providing quality customer service and preventing financial losses for both company and cardholders.
- Resolved customer issues, handled call escalations, and served as single point of contact for procedural updates and queries.
- Conducting regular quality audits to ensure team average exceeds business standards.
- Led a team of 6 for 2 weeks during line manager's absence, ensuring continued productivity.
- Trained several batches of new joiners, which involved preparation of training modules, daily progress report, daily & weekly assessment, coaching, mentoring, auditing and providing constructive feedback.
- Coached underperforming team members to improve skills and knowledge, contributing to overall team performance.
- Worked with the team in clearing the Parking Lot (Frequently Asked Questions) in a weekly basis which increased the efficiency of the team.
Education
PGDBA -
SCDL
PuneB.Com. -
Calcutta University
KolkataSchooling -
The Frank Anthony Public School
KolkataSkills
- Credit analysis
- Risk assessment
- Risk management
- Credit proposal management
- Portfolio monitoring
- Financial analysis and planning
- Stakeholder engagement
- Process improvement
- Analytical skills
- Problem solving
- Decision making & judgment
- Time management abilities
- Training and mentoring
- Attention to detail
Accomplishments
- Completed various LinkedIn learning courses on AI (Responsible AI, Fundamentals of Agentic AI and Programing Foundations Fundamentals)
- Six Sigma Yellow Belt trained and certified in percentage in reducing diarizing processing.
- Attended various workshop e.g. executive presence, time management, excel training, project management & introductory business writing skill.
Hobbies and Interests
- Listening to music
- Martial arts
- Travelling
Awards
- Awarded 'Annual Awards – Mountain mover category' FYE 2023
- Awarded 'Quarterly Awards' for Q2 2021
- Awarded 'Quarterly Champion' for Q1 2015
- Awarded the 'Super Star' Award for the month of March 2008 and Jun 2012
- Awarded 'Quality Award' in Feb & Aug 2011, Mar, May and Jun 2012
- Awarded 'Best Performer' for 17 times from April 2007 to April 2012
- Awarded 'Fraud Buster' in Apr 2007
- Awarded 'Roll of Honor' in Jan 2008
- Part of the team which won 'Team of the Quarter' Awards in 2009
Personal Information
- Date of Birth: 01/15/82
- Nationality: Indian
Timeline
Assistant Vice President - BB & MME Approvals – Hong Kong Wholesale Credit Risk
HSBC Global Resourcing Pvt. Ltd
04.2024 - Current
Assistant Vice President – BB & MME Approvals - Canada Wholesale Credit Risk
HSBC Global Resourcing Pvt. Ltd
04.2020 - 03.2024
Manager - Business Banking Approval team – UK Wholesale Credit Risk
HSBC Global Resourcing Pvt. Ltd
09.2016 - 04.2020
Assistant Manager - Risk Identification & Credit Sampling – UK Wholesale Credit
HSBC Global Resourcing Pvt. Ltd
02.2013 - 09.2016
Customer Service Executive - Credit Approval & Risk Management
HSBC Global Resourcing Pvt. Ltd
11.2009 - 02.2013
Customer Service Executive - Fraud Prevention Operations
HSBC Global Resourcing Pvt. Ltd
11.2006 - 11.2009
PGDBA -
SCDL
B.Com. -
Calcutta University
Schooling -
The Frank Anthony Public School