BCO Manager

Role overview

This position is for an SME / BCO Manager - Team Lead within the Credit & Capital Management function under CIB. The team is moving toward a modern, consistent end-to-end operating model, where the Business Credit Office acts as the first line credit management hub. In this setup, the BCO owns tasks such as structuring, credit analysis, rating recommendations, client credit monitoring, and negotiation of credit terms and documentation with WCMR and clients, serving as the single handoff point from Relationship Managers for CCM activities.

The manager is expected to support Relationship Managers and Coverage teams with client reviews, renewals, outreach, research, and financial and credit analysis. The role requires strong risk judgment, control awareness, and the ability to maintain a dependable underwriting and lending process that balances borrower needs with business protection.

The role reports to the BCO Team Lead and works closely with Coverage and Transaction Support teams to deliver a smooth customer experience and consistent service. It also requires strong collaboration, stakeholder handling, and the ability to work through complex situations to produce strong outcomes for customers and internal partners.

The function also plays an important role in ESG activities across the Credit & Capital Management cycle and contributes to ESG reporting. It supports the bank’s net-zero objectives by helping clients on transition journeys, improving climate risk and portfolio management, and enabling timely financing support.

Key responsibilities

• Deliver BCO activities in line with agreed OKRs, SLAs, and KPIs.
• Own the full Credit & Capital Management servicing journey and keep the process efficient and seamless for both customers and internal teams.
• Blend client relationship management with strong risk evaluation so that credit quality and returns on risk remain appropriate.
• Continuously improve productivity while raising the quality of client experience.
• Support and adopt technology-led improvements and customer experience initiatives aligned to a globally consistent CCM model.
• Take part in deal conversations and meetings with clients or credit risk teams when needed.
• Demonstrate strong execution and implementation capability.
• Build and sustain effective working relationships across teams, including credibility with both business and risk leaders.
• Protect the bank by operating as First Line of Defence and following all required controls.
• Maintain internal control standards, including timely closure of internal and external audit recommendations and resolution of issues raised by regulators.
• Hold constructive and ongoing discussions with risk partners while balancing commercial goals and risk management.
• Work with the BCO Team Lead to ensure suitable credit risk controls are embedded in operations and that robust management information tracks risk against agreed thresholds.
• Stay current on the latest guidelines, procedures, FIM requirements, and other regional policy directions, and ensure the team receives the right guidance.
• Show strong collaborative behavior and teamwork.
• Carry out high-quality industry, competitor, and client financial analysis, including climate-risk assessment of lending portfolios, policy applicability, and identification of physical and transition risks.
• Analyze portfolio exposure for Financed Emissions reporting, including Thermal Coal exposure, eligible counterparty weighting calculations, and assurance support for ARA reporting.
• Lead and coordinate a team of 6 to 10 BCO Analysts, Associates, and Senior Associates in an objective and cohesive manner.
• Coach team members for development and help build a motivated, capable team that can meet business needs.
• Participate actively with the team to keep productivity and quality strong and continuously improving.
• Maintain strong communication within the team and across the wider organization at different locations.
• Allocate work in a way that maximizes both output and quality.
• Keep team motivation high in core responsibilities as well as in wider GCC and CSR activities.
• Handle all areas of operational risk, including GCC compliance, data protection, health and safety, and audit obligations.
• Encourage a strong culture of compliance across the team in line with Group Compliance Policy.
• Follow all relevant policies and procedures from the Group Standards Manual, Functional Instruction Manuals, and process guidelines.

Knowledge and experience

Candidates should have postgraduate qualifications in Management, Finance, or Economics, or equivalent credentials such as Chartered Accountant, CFA, FRM, or a similar qualification, depending on local market conditions. Capital market certifications in Mutual Funds, Derivatives, Stock Markets, or similar areas will be an advantage.

The role requires a strong grasp of ESG and climate risk, including the practical use of ESG policies through annual reports, CSR/sustainability reports, and other company filings. Applicants should bring 6 to 10 years of relevant corporate lending experience, supported by strong analytical ability and solid credit domain knowledge.

Additional strengths include a clear understanding of financing instruments and banking products used in Wholesale Banking, strong stakeholder management, the ability to handle complex situations, and the confidence to align senior leaders. Candidates must also understand Group credit risk principles, policies, and statutory compliance requirements.

Excellent communication, interpersonal, problem-solving, and influencing skills are essential, along with a commercial mindset, customer orientation, and the ability to work effectively across levels and boundaries. The role also calls for relationship-building skills and a strong focus on delivering high-quality customer service.

Other requirements

Notice period required: 0 to 30 days.

Experience level: 5 to 10 years overall, with 6 to 10 years of relevant corporate lending experience stated in the role details.

Location options mentioned for the position include Bengaluru and Kolkata.

The role asks for continued attention to operational risk, GCC compliance, data protection, health and safety, audit requirements, and adherence to all applicable Group policies and manuals.

Additional information

The team supports ESG-related initiatives across the credit lifecycle, including climate risk management, portfolio analysis, and reporting on financed emissions. It also contributes to broader sustainability goals and the bank’s net-zero objectives.

Management coverage in this role includes a team of 6 to 10 BCO Analysts, Associates, and Senior Associates.

The source text also indicates that the team should maintain high standards, though the sentence is incomplete in the source material.

Company overview

The employer is a full-stack IT solutions and services provider focused on improving efficiency and helping clients concentrate on their core growth priorities.