Assistant Product Manager - Mortgages

at  HSBC

Job description
Some careers shine brighter than others.
If you’re looking for a career that will help you stand out, join HSBC and fulfil your potential. 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.
Our Wealth and Personal Banking business supports millions of individuals, families, business owners, investors and entrepreneurs worldwide. We provide products and services that include current accounts, credit cards, personal loans and mortgages, as well as savings, investments, insurance and wealth management. We also have specialised relationship managers who support customers with bespoke requirements, including high net worth and ultra-high-net-worth clients.
The Buying a Home Team is part of Retail Banking and has responsibility for the mortgage portfolios of HSBC and First Direct, representing c.£100bn+ in balances, and which generate a significant part of UK Retail Bank and Wealth Management profit. The team drives all product development, pricing, retention, communication, product management and maintains compliance with relevant regulatory and internal policy mandates across the UK bank.
The purpose of the role is to support propositional development and, in some instances, lead and manage specific change initiatives by driving the end-to-end process from concept to implementation. The role will involve building beautiful digital customer and broker journeys and protecting the business by adhering to regulatory and reputational responsibilities, against a backdrop of delivering consistently good outcomes for customers whilst maximising commercial opportunities and minimising risk for the bank. The role will work closely with UKT, HOST, UWS, Distribution, Credit Risk, Mortgage Operations, Legal and Compliance teams to drive change and support run the bank activities, in addition to third party partners.
Working collaboratively with colleagues across the business, the role holder is required to role model customer-centricity, driving service excellence and offering products and services that meet customer needs.

• Ensuring the Mortgage product lines (HSBC, First Direct) hit their combined P&L and financial targets, facilitated through the development of beautiful digital journeys.
• Serve key stakeholders by providing strategic direction and thought leadership to support them in driving revenue performance, encouraging collaboration, accountability and ownership.
• Help develop new processes which reflect a deep understanding of customer and broker need. Propose right tools/ services to help customers and brokers. Support the development of initiatives aimed at attracting and retaining more customers and brokers.
• Assist in conducting market research and analysing customer needs to identify new opportunities to improve existing products / journeys / policies.
• Assist in the development of business cases, including financial analysis to evaluate the profitability of proposed change initiatives (tactical or strategic).
• Support the programme of change initiatives and drive them from concept to implementation ensuring timely delivery and adherence to project milestones.
• Drive material initiatives to improve the customer experience, reduce complaints and manage Conduct Risk within mortgages, ensuring delivery on time, within budget.
• Adherence to all relevant procedures, keeping appropriate records and, where appropriate, by the timely implementation of internal and external audit points, including issues raised by external regulators.
• Support the review of mortgage policies and procedures, as well as the review and management of regulatory and mandatory mortgage documentation.
  Requirements

To be successful in this role you should meet the following requirements:

• Experience working in relevant environment/s, i.e. WPB / Retail Banking, or external Product experience is essential.
• Relevant product knowledge including knowledge of mortgages is desired.
• Past working experience in a relevant role, i.e. Product Management / Financial Services / Intermediary Market / Change is desired
• Proven ability to deliver customer focused change in a way that balances commercial and regulatory considerations.
• Proven ability to interpret and analyse data and insight to inform strategic decisions.
• Excellent written and spoken communication skills; an ability to communicate with impact, ensuring complex information is articulated in a meaningful way to wide and varied audiences.
• Understanding of risk and how to execute highest risk standards without compromising customer outcomes.
• Experience of using relevant software packages, i.e. MS Office Excel, PowerPoint, Word.
• Ability to influence others at all levels to deliver change and product/process improvement.

This is a Hybrid role with base locations being Birmingham/ Leeds
Opening up a world of opportunity
Being open to different points of view is important for our business and the communities we serve. At HSBC, we’re dedicated to creating diverse and inclusive workplaces. Our recruitment processes are accessible to everyone - no matter their gender, ethnicity, disability, religion, sexual orientation, or age.
We take pride in being part of the Disability Confident Scheme. This helps make sure you can be interviewed fairly if you have a disability, long term health condition, or are neurodiverse.
If you’d like to apply for one of our roles and need adjustments made, please get in touch with our Recruitment Helpdesk:
Email: hsbc.recruitment@hsbc.com
Telephone: +44 207 832 8500.