Senior Lending Product Manager - International Wealth and Premier Banking

Some careers open more doors than others.

If you're looking for a career that will unlock new opportunities, join HSBC and experience the possibilities. 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.

Within International Wealth and Premier Banking (IWPB), we serve 41 million customers globally, including 6.7 million who are international, from retail customers to ultra high net worth individuals and their families. We help our customers to take care of their day-to-day finances and to manage, protect and grow their wealth. Our international network and breadth of expertise enable us to deliver on HSBC's 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 key areas of operations include Retail Banking and Wealth Management, Asset Management, Private Banking and Insurance.

We are currently seeking a high calibre professional to join our team as a Senior Lending Product Manager.

Principal Responsibilities

In this role you will:

• Drive portfolio profitability: Lead strategies to optimise growth of interest-bearing balances, margins, and profitability across IWPB markets, ensuring sustainable value creation
• Shape strategic delivery: Steer Project Elevate's portfolio management workstreams, aligning global, regional, and country stakeholders to deliver measurable outcomes
• Optimise risk-reward trade-offs: Collaborate with business, credit risk, and fraud risk teams to refine policies, decisioning frameworks, and authorization parameters - Balancing portfolio quality with improved approval and utilisation rates
• Harness data & technology: Partner with Data & Analytics and digital teams to enhance segmentation, decisioning models, and predictive analytics for sharper portfolio actions
• Accelerate commercialisation: Work with country teams to refine credit line increase, balance build, and pricing strategies, ensuring initiatives translate into profitable, customer-centric growth
• Provide thought leadership: Influence senior stakeholders and embed portfolio optimisation as a core discipline across IWPB, while ensuring compliance with regulatory standards

In this role you will:

• Deep expertise in retail lending products and lifecycle management, with proven success in portfolio optimization
• Strong grasp of credit and fraud risk concepts, including risk-reward frameworks, policy design, and decisioning
• Demonstrated ability to use data-driven insights, digital tools, and advanced analytics to unlock portfolio growth opportunities
• Track record of designing customer-centric strategies that drive both profitability and loyalty
• Skilled at navigating regulatory requirements across diverse markets while delivering business outcomes
• Exceptional senior stakeholder management and influence skills, with the cultural agility to work across global teams

Opening up a world of opportunity

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Issued by The Hongkong and Shanghai Banking Corporation Limited.