Manager Product - Unsecured Lending (UAE National)

HSBC International Wealth and Premier Banking aim to be the international bank of choice for affluent customers, supporting their domestic and international banking, and holistic wealth management needs. We provide a leading premium proposition through Premier Banking and, together with our Global Private Bank, are present across the world’s 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’re looking for an ambitious UAE National to join HSBC as Manager, Product – UAE Unsecured Lending, Wealth and Personal Banking. The role will lead personal loan and overdraft product strategy. It offers the opportunity to shape innovative customer propositions while collaborating with senior stakeholders across the bank. In this role, you will: - Product Strategy and Lifecycle Management: Own the strategy, proposition, pricing and profitability of unsecured lending products such as personal loans, overdrafts and credit cards throughout their lifecycle. This includes product design, day-to-day management, stakeholder engagement, regulatory compliance, audit management, and end-to-end ownership of the product journey. An additional 5-10% of the role will involve supporting Jaywan scheme credit card launch (AEP - Al Etihad Payments). - New Product Development and Launch: Lead feasibility, design, regulatory alignment, technology delivery, testing and successful launch of new unsecured lending products. - Commercial Performance and Growth: responsible for the development & implementation of the business strategies to achieve unsecured lending products balance sheet & profitability objectives in line with FRP targets as well as position HSBC among the market leaders within the United Arab Emirates. - Go-to-Market and Campaign Management: Develop and implement launch, acquisition and promotional campaigns, using market trends, customer insights and competitor analysis to improve performance. - Stakeholder and Partner Management: Work closely with Risk, Compliance, Legal, Finance, Technology, Marketing, Distribution and external partners to deliver product objectives. - Risk, Compliance and Operational Controls: Ensure adherence to HSBC policies and regulatory requirements, including KYC/AML, risk assessments, audit actions, regulatory submissions and effective customer outcomes. - Value Streams and Agile Ways of Working adoption to efficiently deliver products and process streamlining to both clients and frontline colleagues To be successful in the role, you should meet the following requirements: - Extensive experience product management, including new product launches, analytics, process reengineering, lending system development/changes and customer journey mapping. - Understanding of the UAE retail financial services market, competitive environment and regulatory developments. - Proven ability to coordinate complex projects and manage diverse internal and external stakeholders. - Strong commercial, analytical and data-driven decision-making skills, with the ability to work independently and deliver results using tools such as Excel, Word and PowerPoint. - Knowledge and experience of risk management across various risk categories – credit risk, operational risk, conduct risk, regulatory compliance risk, financial crime compliance risk, legal risk, etc. - Strong influencing, communication and stakeholder management skills - Consultative approach to decision making - A full-time graduation degree of at least three years is essential for obtaining a UAE visa and work permit. For degrees obtained outside the UAE, valid attestations and equivalency are also mandatory. You’ll achieve more at HSBC. www.hsbc.com/careers HSBC is committed to building a culture where all employees are valued, respected and opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working and opportunities to grow within an inclusive and diverse environment. We believe diversity brings benefits for our customers, our business and our people. Different ideas and perspectives help us innovate, manage risk and grow the business in a sustainable way Personal data held by the Bank relating to employment applications will be used in accordance with our Privacy Statement, which is available on our website. Issued by The Hong Kong and Shanghai Banking Corporation Limited.

Extensive experience in product management, including new product launches, analytics, process reengineering, lending system development/changes and customer journey mapping. Understanding of the UAE retail financial services market, competitive environment and regulatory developments. Proven ability to coordinate complex projects and manage diverse internal and external stakeholders. Strong commercial, analytical and data-driven decision-making skills, with the ability to work independently and deliver results using tools such as Excel, Word and PowerPoint. Knowledge and experience of risk management across various risk categories – credit risk, operational risk, conduct risk, regulatory compliance risk, financial crime compliance risk, legal risk, etc. Strong influencing, communication and stakeholder management skills. Consultative approach to decision making. A full-time graduation degree of at least three years is essential for obtaining a UAE visa and work permit. For degrees obtained outside the UAE, valid attestations and equivalency are also mandatory.

Own the strategy, proposition, pricing and profitability of unsecured lending products throughout their lifecycle (personal loans, overdrafts, credit cards). Lead new product development and launch, including feasibility, design, regulatory alignment, technology delivery, testing and successful launch. Drive commercial performance to meet balance sheet and profitability objectives in line with FRP targets. Develop go-to-market and campaign management strategies for launch, acquisition and promotion. Manage stakeholders across Risk, Compliance, Legal, Finance, Technology, Marketing, Distribution and external partners. Ensure risk, compliance and operational controls, including KYC/AML, audit actions and regulatory submissions. Promote value streams and agile ways of working to deliver products and streamline processes for clients and staff.