VP, Lending Solutions Product Management

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International Wealth and Premier Banking (IWPB) helps deliver on HSBCs purpose of opening up a world of opportunity by providing our customers with borderless banking and world-class wealth management through best-in-class mobile-first capabilities and exceptional people. Our international network and breadth of expertise enable us to support individuals families business owners investors and entrepreneurs. International Wealth and Premier Banking provides a leading premium proposition through Premier Banking and together with our Private Bank are present across the worlds most important markets booking centres and corridors most valued by our clients. Our wealth offering is further enhanced through our best-in-class manufacturing capabilities in Asset Management and Insurance.

We are currently seeking a high calibre professional to join our team as aVP Lending Solutions and Product Management

In this role you will:

Product strategy & proposition ownership

• Define target segments customer needs and value proposition; identify where the product wins (and why customers should care).
• Own the product lifecycle: ideation discovery build launch optimisation and where needed migration/retirement.
• Translate business strategy into customer journeys and feature sets across origination decisioning fulfilment servicing and collections.

Roadmap delivery & Agile leadership

• Build and manage a prioritised backlog and roadmap; set quarterly objectives and outcomes with stakeholders.
• Write high-quality epics/features/user stories with clear acceptance criteria; ensure traceability from customer need to delivery.
• Partner with IT Risk and Loan Operations to deliver scalable solutions (including credit decisioning rules digital journeys and servicing tools).
• Lead release planning go/no-go readiness post-implementation review and benefits realisation.

Commercial and portfolio performance

• Manage key P&L levers within governance: pricing fees promotions limits channel mix and customer eligibility.
• Track performance and diagnose funnel and portfolio trends (applications approvals utilisation repayment attrition).
• Drive optimisation initiatives (e.g. policy/criteria tuning limit management pricing changes journey conversion improvements retention offers).

Risk controls compliance & conduct

• Ensure product design aligns with responsible lending principles and applicable regulation (affordability transparency fair treatment complaints).
• Partner with Credit Risk to align credit policy underwriting strategy and collections capability to product goals.
• Work with Compliance/Legal to ensure customer communications and disclosures are clear and compliant.
• Build controls by design (audit trail decision explainability where needed monitoring MI and operational procedures).

Operational excellence & customer experience

• Optimise end-to-end processes to reduce cycle times hand-offs and failure demand; improve straight-through processing where feasible.
• Define and monitor customer and operational KPIs (TAT drop-off defect rates complaints contact drivers service levels).
• Use incident and complaint insights to drive root-cause fixes and prevent repeat issues.

Stakeholder management & governance

• Lead cross-functional forums across Technology Data Ops Risk Compliance Marketing Sales and Finance.
• Produce governance artefacts: product papers change requests business cases risk assessments (as required) and exec updates.
• Manage third parties and internal dependencies (e.g. credit bureaus decision-making platforms servicing systems digital channels).

To be successful you will need:

Product craft

• Strong product discovery and delivery capability: customer research prioritisation frameworks OKRs/outcome-based roadmaps.
• Excellent requirements writing; able to turn complex lending needs into buildable testable solutions.
• Experience in leading Agile teams and working effectively with engineers and architects.

Lending domain expertise

• Solid understanding of the lending lifecycle (origination to collections) and how product changes affect customer outcomes and risk.
• Working knowledge of credit risk and fraud concepts (risk-based pricing affordability scorecards/rules portfolio monitoring).
• Awareness of regulatory and conduct expectations for lending products in a regulated environment.

Data & commercial acumen

• Strong analytical skills; comfortable with funnel metrics cohort analysis portfolio performance and experiment measurement.
• Ability to evaluate trade-offs across margin expected loss capital/ROE considerations (where applicable) and cost-to-serve.
• Ability to build credible business cases and quantify benefits costs and risks.

Leadership & influence

• Confident communicatorclear writing and effective senior stakeholder management.
• Proven ability to align teams without direct authority; pragmatic decisive and accountable.
• Comfortable handling ambiguity and making judgement calls with incomplete information.

Control mindset

• Practical understanding of operational risk issue management and control design.
• Experience driving remediation and sustainable fixes following incidents audit findings or regulatory feedback.

Experience

• Min. 5-8 years of product management experience; lending experience strongly preferred.
• Track record delivering customer-facing journeys and/or underwriting/decisioning enhancements.
• Experience operating within formal governance and regulatory constraints.

Opening up a world of opportunity




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