HSBC Group

Some careers have more impact than others.

If you’re looking for a career where you can make a real impression, join HSBC and discover how valued you’ll be.

HSBC is one of the largest banking and financial services organizations in the world, with operations in 62 countries and territories. We aim to be where the growth is, enabling businesses to thrive and economies to prosper, and, ultimately, helping people to fulfil their hopes and realize their ambitions.

We are currently seeking an experienced professional to join our team in the role of Product Engineer

Principal responsibilities

• Product manager roles and responsibilities in payments & receivables product, Omni Collect solution & Digital merchant services.
• Lead product design and product launch related to GPS products, Omni Collect & Digital merchant services.
• Come up with the product differentiators for selling solution to clients, work with sales, relationship / GPS teams to gather market feedback.
• Explore partnerships with external payment providers, platforms, schemes as well as internal teams like WPB, Markets to create end to end solutions for clients etc.
• Designing and setting up operational processes
• Tax Compliance: Structuring tax treatment- GST, reverse charge mechanism and TDS handling for scheme and APM related invoicing, which involves complex domestic tax regulations
• Partner Onboarding and Governance: Coordinating with schemes and key domestic payment partners like BillDesk for onboarding, contracts and operational integration.
• Supporting financial accounting, pricing, and billing setup specific to merchant acquiring
• Deliver and collaborate for product deployments related to GPS products, Omni & Digital merchant services.
• Drive key programs, initiatives run within GPS, always adhering on time to market deadlines.
• Support commercialization of GPS solutions across existing and next generation suite of products.
• Pilot Client Onboarding and Support: Working directly with early clients during the pilot phase to manage onboarding, pricing discussions, issue resolution and merchant-specific operational and integration requirements
• Collaborate with GPS partners across IT, Operations, GPS markets & other stakeholders to delivery end-to-end solution for clients.
• Collaborate with GPS & Coverage teams to deliver desired business outcomes.
• Support product governance and risk management activities, third party related assessment, product analytics monitoring (chargeback ratio, refunds etc), exception approvals (credit risk), regulatory reporting, merchant-specific pricing decisions, and client-specific issue resolution

• Minimum of 8-10 years proven and progressive cash management product set-up and management experience or equivalent.
• Prior corporate transaction banking or cash management experience is preferred but not mandatory.
• Related experience in merchant acquiring or card business is preferred but not mandatory.
• Experienced in project and program management.
• Experienced in co-creation with IT & internal business partners.
• Proven ability to deliver creative and flexible customer solutions.
• Ability to understand a customer’s business and the fundamentals of running a business.
• Good level of business acumen and commercial awareness, including economic, cultural, procedural, and regulatory issues
• Excellent interpersonal skills and ability to interact and build relationships with internal and external stakeholders.
• Excellent range of communication skills, including written, verbal, and the ability to deliver compelling presentations.
• Strong analytical skills with ability to provide recommendations on decision-making.
• Qualification to a University Degree and/or training courses
• Educated to graduate or post-graduate level (or equivalent)
• Significant experience in product development, project management, fintech engagement, market/client facing banking functions.
• Prior expertise in cash management and specifically exposure to Payment products across several markets is preferred.
• Ability to influence decisions and work to tight deadlines.
• Effective negotiation , stakeholder management skills

You’ll achieve more at HSBC

HSBC is an equal opportunity employer 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 encourage applications from all suitably qualified persons irrespective of, but not limited to, their gender or genetic information, sexual orientation, ethnicity, religion, social status, medical care leave requirements, political affiliation, people with disabilities, color, national origin, veteran status, etc., We consider all applications based on merit and suitability to the role.”

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 Electronic Data Processing (India) Private LTD***