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Assistant Product Manager - Unsecured Lending

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.

Wealth and Personal Banking is our new global business combining Retail Banking and Wealth Management; and Global Private Banking, to become one of the world’s largest global wealth managers with USD1.4 trillion 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.

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.

We are currently seeking an individual to join this team in the role of Assistant Product Manager - Unsecured Lending.

Overview:

The Unsecured Lending team drives all product lifecycle activities and proposition development for personal loans and credit cards, including customer acquisition, customer journey enhancements, product pricing, retention strategies, existing customer management, marketing and portfolio management, and has full P&L responsibility for these products. The team support customers with their lending needs across HSBC, M&S Bank, First Direct and John Lewis Financial Services, working with wider Banking and Propositions colleagues, Marketing, Digital, Distribution, Risk, Finance, Legal, Compliance, IT, Operations, Global Teams and Card Schemes (Visa and MasterCard).

In this role, you will be:

• Responsible for Personal Loans and Credit Cards acquisition delivery
• Supporting with the development and delivery of the Unsecured Lending Strategy and Annual Operating Plans.
• Tracking, analysing and reporting on acquisition activity - monitoring and reviewing product performance and wider market research to meet business requirements and make recommendations, taking appropriate action to amend where necessary.
• Monitoring that the financial performance of each product meets business requirements and amend where necessary, to ensure financial viability and profitability of the Card / Personal Loans.
• Using insights and a data driven approach to propose business recommendations to drive performance.
• Working with a wide range of stakeholders including wider Banking and Propositions colleagues, Marketing, Digital, Distribution, Risk, Finance, CRM & Analytics, Compliance, Legal, IT and Transformation
• Demonstrating leadership within working parties to identify risks to plan and ensure delivery of initiatives to address

Requirements

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

• Highly experienced in the use of Excel and confident working with formulas and pivot tables.
• Able to translate data and analysis into compelling insights and recommendations;
• Excellent written and verbal communication skills; an ability to communicate with impact, ensuring complex information is articulated in a meaningful way to wide and varied audiences
• Able to create, develop and deliver initiatives and projects that generate incremental revenue and profit to our business area;
• A track record of constantly looking for ways to do things better and an excellent understanding of how to successfully implement change;
• Experience using Microsoft PowerPoint and Word;
• Strong communication, stakeholder and relationship management skills: you will be managing multiple stakeholders with often conflicting motivations and perspectives.
• Previous experience working in relevant environments such as retail banking or product management would be beneficial but is not essential.

The base location for this role will be either – 1 CS – Birmingham / Kings Meadow – Chester / first direct Leeds. Hybrid working options will also be considered.

At HSBC we look to enable our employees to better balance their work / life priorities and have the flexibility required to meet challenging needs as they progress through different life stages. Where possible we will consider the following flexible working options: part-time working, job sharing, term-time working, and working from home and staggered hours. If in considering a role with HSBC you have a need for some flexibility in your working arrangements please discuss this with the recruitment team in the early stages of the application process.

HSBC is committed to being an inclusive employer and providing an inclusive and accessible recruitment process for all. We will provide reasonable adjustments to remove any disadvantage to you being considered for this role. We are proud members of the Disability Confident Scheme, and will offer an interview to disabled candidates who meet the minimum criteria for the role. If you would like to receive any information in a different way or would like us to do anything differently to help you apply for our roles, please contact our Recruitment Helpdesk:
Email: [email protected]
Telephone: +44 2078328500

Within the workplace you will have access to various employee resource groups which aim to promote and achieve a healthy work / life balance and support our diversity ambitions. HSBC has processes in place to avoid nepotism. This means we will avoid circumstances in which the appearance or possibility of conflicts of interest may exist within the hiring process.