Product Manager Proposition Development

Some careers shine brighter than others. 

If you’re looking for a career that will help you stand out, join HSBC and fulfil your potential. Whether you want a career that could take you to the top, or simply take you in an exciting new direction, HSBC offers opportunities, support and rewards that will take you further.

Our Wealth and Personal Banking business supports millions of individuals, families, business owners, investors and entrepreneurs worldwide. We provide products and services that include current accounts, credit cards, personal loans and mortgages, as well as savings, investments, insurance and wealth management. We also have specialised relationship managers who support customers with bespoke requirements, including high net worth and ultra-high-net-worth clients.

The role of the Product Manager – Unsecured Lending is a new role in the Unsecured Product Team. It is responsible for managing the proposition strategy and new Proposition Development for Unsecured Lending and helping to shape the overall unsecured lending strategy. HSBC has a significant growth strategy, and this is a key role in ensuring there are the right product and propositions to meet customer needs.

As an HSBC employee in the UK, you will have access to tailored professional development opportunities and a competitive pay and benefits package. This includes private healthcare for all UK-based employees, enhanced maternity and adoption pay and support when you return to work, and a contributory pension scheme with a generous employer contribution.

In this role you will:

• Responsible for shaping the Credit Card proposition strategy across HSBC, First Direct and M&S Bank , identifying product, execution or capability gaps and recommending appropriate solutions.
• Development and delivery of a compelling proposition strategy across brands, ensuring a range of products that capitalises all opportunities for growth while limiting customer confusion and maximising commercial returns.
• Commercialisation of newly delivered products/propositions to ensure they meet expected KPIs
• Keeping abreast of internal developments and the external market to ensure the impact of changes, competitor strategy and innovation is identified early, and appropriate plans developed to address. Using data to inform business decisions and find opportunities to improve effectiveness of activity.
• Working with Unsecured stakeholders to identify key commercial drivers for existing / new products and document product objectives to assist in aligned execution of strategy across the different teams.
• Liaising with internal stakeholders including Everyday Banking, Credit Risk, Legal and Compliance, Finance, Marketing and brand owners to understand their objectives and constraints, ensure buy in to proposals and gain formal approval through appropriate governance. Working with third party stakeholders, such as Mastercard and Visa to secure additional funding or assets to drive more relevant and appealing propositions.

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

• Experience working in relevant environments (i.e., product management/Unsecured Lending)
• Experience of using customer led data to create new propositions from scratch using internal and external agencies. Strong ability to collate, analyse, critically evaluate, and present data and Management Information (MI)
• A broad understanding of financial budgets/statements/models, with experience of analysing data effectively for planning, forecasting and reporting.
• Strong influencing skills and the ability to think strategically, with a solid understanding of commercial drivers of lending products.
• Ability to manage stakeholders and communicate effectively at all levels.
• Ability to set and achieve challenging short-, medium- and long-term goals which exceeded the standards in their field.
• Experience of building effective networks across business areas, developing relationships based on mutual trust and encouraging others to do the same. 

This role is based in Birmingham, Chester or London.

Opening up a world of opportunity

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. Our recruitment processes are accessible to everyone -  no matter their gender, ethnicity, disability, religion, sexual orientation, or age.

We take pride in being part of the Disability Confident Scheme. This helps make sure you can be interviewed fairly if you have a disability, long term health condition, or are neurodiverse.
If you’d like to apply for one of our roles and need adjustments made, please get in touch with our Recruitment Helpdesk:

Email: hsbc.recruitment@hsbc.com
Telephone: +44 207 832 8500