Job description

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. 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.
International Wealth and Personal Banking (IWPB) helps 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 international network and breadth of expertise enable us to support individuals, families, business owners, investors and entrepreneurs. International Wealth and Personal Banking provides a leading premium proposition through Premier Banking and, together with our Global Private Bank, are present across the world’s most important markets, booking centres, and corridors most valued by our clients. Our wealth offering is further enhanced through our best-in-class manufacturing capabilities in Asset Management and Insurance.
We are currently seeking a high calibre professional to join our team as a Head of Payment Solutions and Card Usage.

In this role you will

• Develop and lead the end-to-end payment and card usage strategy, aligned with the bank’s retail banking objectives
• Design and implement integrated payment solutions across credit/debit cards, mobile wallets and remittance channels
• Drive portfolio optimization using data insights, segmentation, and predictive modelling to identify next best spending, sending and engagement opportunities
• Implement lifecycle strategies across early engagement, activation, usage, retention, and win-back using propensity models and behaviour-based targeting
• Own and drive the retail transaction fee and Fx income lines across payment and remittance products and market share growth
• Monitor performance metrics, conduct profitability analysis, and deliver actions to grow usage, transaction volumes, and revenue
• Collaborate with marketing and digital teams to deliver targeted campaigns with effective communications to drive adoption and engagement
• Partner with risk, operations, and technology teams to ensure robust controls and business continuity planning/ resilience risk

Requirements

To be successful you will need

• Advanced experience on portfolio management with specialization on Card usage and payments/remittances with strong experience in a leadership role
• Proven track record of strategic thinking and execution of portfolio strategies to drive customer engagement and P&L accountability
• Effective communication and stakeholder management skills
• Ability to use data analytics and segmentation to drive portfolio performance
• Strong programme and project management skills; able to manage multiple initiatives with speed and discipline
• Deep understanding of cards network, payment ecosystems, remittances flows