Job Advert Details
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.

Wealth and Personal Banking (WPB) 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.

We are currently seeking a high caliber professional to join our team as an Head of Secured Lending, WPB.

Role Purpose

- This role will be accountable for managing the end-to-end Mortgage and Secured Overdraft business. Including: P&L,
Operations, Marketing and IT.
- Responsible for achieving the planned growth and profitability targets for Mortgage and Secured Overdraft business.
- Manage and lead a high performing team through the identification, development and implementation of initiatives
designed to drive profitable market share growth and new customer acquisition
- Provide product leadership from strategic planning to tactical activities, initiating change programs, developing new products and in coordination with key stakeholders across relevant functions deliver on revenue and market share growth.

Principal Accountabilities

Impact on the Business / Function 

  • Help Business Head in achieving product specific acquisition targets. key KPIs include new sales, loan drawdown, activation rate & cost per acquisition. 
  • Develop the overall acquisition and channel strategy aligning with overall product proposition and target customer segment.
  • Formulate and implement Marketing and Business Development strategy for the Business while sustaining and increasing the market share position for the bank.
  • Help formulate and shape new product enhancements and/or third-party partnerships through customer insights, competitive analysis, customer research and in-market tests. 
  • Ensure all current and future product initiatives are driving the right product economics in terms of revenue and profitability.
  • Constantly monitor key performance indicators and effectively use data to identify opportunities for enhancing revenue, controlling cost and strengthening the overall product portfolios

Customers / Stakeholders

  • Develop, implement, and manage the end-to-end channel, process, technology, performance of acquisition channels, including direct sales, online, call center, and branches.
  • Understanding lending best practice within different channels, and engaging channel partners to embed successful, customer-centric methods to drive product acquisition in the right way. 
  • Understanding the impact of regulatory change and ensuring sales-process compliance on our lending products. 
  • Maintain good relations with the third-party partners to ensure maximum benefit is gained for both the partner and the Bank.
  • Develop strategic partnerships for acquisition.
  • Taking a leadership role with key stakeholders across the business, including Channels, Marketing, and Finance, to ensure we deliver all the above as efficiently as possible. 
  • Develop seamless relationships with all key stakeholders (Sales, Risk, Legal & Compliance, IT & Operations, Marketing, and Customer Experience) to ensure smooth running of the business. Ensure maximum participation through feedback from all levels to cultivate spirit of product ownership.

Leadership & Teamwork

  • Support Business Head to develop competitive and profitable products with respect to customer voice and customer experience.
  • Personally, and through others, holding and developing product expertise to ensure adequate training is provided at all customer touch points. Ensures staff is properly trained, provided with appropriate resources and motivated to adhere to risk management principles.
  • Inspire professionalism and responsibility through guidance and leading by example.

Operational Effectiveness & Control

  • Streamline and improve end to end application process.
  • Reduce standard unit cost of processing or servicing each account.
  • Ensure that product procedures and features comply with regional guidelines & local regulations. 
  • Enhance product procedure to ensure quality customer experience. 
  • Complete tasks and fulfill responsibilities as outlined in CDD LoBP, AML Policy; Sanctions Policy and always stay vigilant to identify and report warning signs to detect, deter and protect customers and the bank from fraud and financial crimes.
  • Coordinate with related stakeholders and ensure all changes being made to AML & Sanctions and other LoBPs are accurately reflected in in-country documents and these LoBPs are approved/signed off and communicated to frontline for implementation
Information
Knowledge & Experience / Qualifications 

  • Degree in Business or Finance, post graduate qualifications are an advantage.
  • 7-9 years’ experience within Retail Banking 
  • Experience with Mortgage products
  • Experience with running the P&L of a product line. 
  • Ability to work in a team-oriented environment and effectively influence and communicate across various business lines at different levels within the organization.
  • Knowledge of the organization and its products, processes and pertinent regulations affecting their delivery.
  • Strong ability to credibly interact with senior management.

You’ll achieve more when you join HSBC. 

http://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. 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 Hongkong and Shanghai Banking Corporation Limited
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