Product Manager, Credit and Lending

Some career choices have more impact than others.

At HSBC we exist with the purpose of Opening up a World of Opportunity. We use our unique expertise, capabilities, breadth and perspectives to provide opportunities for our customers and colleagues through global connectivity. We bring together the people, ideas and capital that nurture progress and growth, helping to create a better world – for our customers, our people, our investors, our communities and the planet we all share.

As an HSBC employee in Australia, you’ll have access to tailored professional development opportunities, competitive pay, an embedded flexible working culture and a range of employee benefits. These include market-leading subsidised private health cover, enhanced parental pay and support when returning to work, subsidised banking products and services, bonus leave days and wellness programmes including discounted gym memberships.

Credit & Capital Management (CCM) is a major contributor to Group performance, generating around $7bn in direct revenues, with borrowing clients providing 95% of CIB Banking revenue. Credit & Lending manages 627k customer journeys annually, $3.8tn of risk limits, $1.9tn in drawn exposure and $375bn of RWA, serving CIB, UK and HK and enabling all CIB products. CCM aims to build a world-class end-to-end credit management function that improves customer experience, modernises risk management, and strengthens balance sheet distribution, delivering priority programmes to simplify, digitise and automate credit and lending while creating a globally consistent organisation across CIB, UK and HK. It also drives requirements across all CCM markets, coordinating global and local stakeholders and building strong collaboration around shared issues and opportunities.

The Credit and Capital Management Product Manager supports the Regional CCM Services Lead and the Head of CCM Product & Design to shape and deliver the lending product strategy, covering product design, initiatives, and the ongoing management of CCM lending products and processes aligned to propositions, customer segmentation, and participation models.

In this position you will anticipate changing market conditions—including pricing, risk, regulation, and customer insight—to drive product performance, while understanding regional and country requirements to deliver the global CCM product within local parameters. You will help drive global strategy execution through product oversight and governance, supporting a consistent Target Operating Model (TOM), and help develop performance metrics such as portfolio analytics and pricing tools. Other aspects of the role include supporting local initiatives and government schemes, contributing to risk indicators and monitoring, enabling governance submissions for new products and processes, and supporting revenue, ROTE, and profitability goals through key working groups and projects.

Responsibilities:

• Apply credit and lending knowledge across the end-to-end Credit & Lending journey to inform work and decision-making
• Capture, analyse and document complex requirements with cross-functional stakeholders
• Drive requirements work through strong attention to detail and an analytical approach
• Manage work to meet exacting timescales and delivery expectations
• Collaborate with teams across functions to progress requirements capture and outcomes
• Engage with frontline teams and/or teams closely supporting frontline teams to ensure requirements are well understood
• Maintain a disciplined, detail-focused approach to ensure requirements are accurate and complete
• Continuous learning and self-development over multiple related disciplines to strengthen capability and contribution

Requirements:

• Credit and lending experience (e.g., RM or RM support, Credit Services, Operations, Risk, or Product)
• Proven ability to deal with complex requirements
• Ability to meet exacting timescales
• Strong analytical background with a high degree of attention to detail
• Experience working in cross-functional teams to drive requirements capture
• Experience working within a frontline team or as part of a function which closely supports frontline teams is desirable
• A passion to drive your own self-development across various connected disciplines

Preference will be given to candidates who hold Australian PR/Citizenship or New Zealand Citizenship, or who can demonstrate current unrestricted work rights in Australia without limitations.

We value different perspectives, we succeed together, collaborating across boundaries, we take responsibility, holding ourselves accountable to get things done. Through these values, HSBC is committed to building a culture where all employees are appreciated and respected and where opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working and opportunities to grow in an inclusive environment. Applications from First Nations peoples are encouraged.

Learn more about careers at HSBC Australia –  https://www.hsbc.com/careers/where-we-hire/australia

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 HSBC Bank Australia Limited.  Please note that HSBC will we never communicate to applicants via non HSBC channels such as SMS, WhatsApp or Facebook so please be careful if anyone attempts to contact you via these channels.

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