Manager Product - Unsecured Lending (UAE National)

About the role

HSBC International Wealth and Premier Banking is looking for an ambitious UAE National to join as Manager, Product - UAE Unsecured Lending, Wealth and Personal Banking. The role leads the strategy for personal loan and overdraft products and offers the chance to shape innovative customer propositions while working with senior stakeholders across the bank.

Key responsibilities

• Own the strategy, proposition, pricing and profitability of unsecured lending products such as personal loans, overdrafts and credit cards throughout their lifecycle, including design, day-to-day management, stakeholder engagement, regulatory compliance, audit management and end-to-end ownership.
• Support the launch of the Jaywan scheme credit card (AEP - Al Etihad Payments), accounting for about 5-10% of the role.
• Lead feasibility, design, regulatory alignment, technology delivery, testing and launch of new unsecured lending products.
• Develop and implement business strategies to meet balance sheet and profitability targets in line with FRP, positioning HSBC as a market leader in the UAE.
• Design and run launch, acquisition and promotional campaigns based on market trends, customer insights and competitor analysis.
• Work with Risk, Compliance, Legal, Finance, Technology, Marketing, Distribution and external partners to deliver product objectives.
• Ensure adherence to HSBC policies and regulations, including KYC/AML, risk assessments, audit actions and regulatory submissions.
• Adopt value streams and agile ways of working to streamline processes for clients and frontline colleagues.

Required profile

• Extensive experience in product management, including new product launches, analytics, process reengineering, lending system development or changes and customer journey mapping.
• Understanding of the UAE retail financial services market, its competitive environment and regulatory developments.
• Proven ability to coordinate complex projects and manage diverse internal and external stakeholders.
• Full-time graduation degree of at least three years, which is essential for a UAE visa and work permit; attestation and equivalency are required for degrees obtained outside the UAE.

Required skills

• Strong commercial, analytical and data-driven decision-making, able to work independently.
• Knowledge of risk management across credit, operational, conduct, regulatory compliance, financial crime, legal and other risks.
• Strong influencing, communication and stakeholder management skills.
• Ability to use tools such as Excel, Word and PowerPoint.