HSBC Group

GCB 4

Some careers open more doors than others.

If you’re looking to unlock new job opportunities, take a look at the possibilities right on your doorstep here at HSBC.

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 Head of Portfolio Optimization, Lending.

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

When applying, please submit a full resume and attach your appraisal reports for the last two performance years. Your local internal application policy should be followed. For internal applicants in Hong Kong with less than twelve months in their current role, please also obtain and enclose the endorsement from your current line manager in the application as well; for more information you can visit HRDirect and search for content "HKG: Do I need any approval to look for internal career opportunities?".

Opening up a world of opportunity

Candidate with less relevant experience or skills may be offered a lower Global Career Band than stated above.

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.