At HSBC, we’re a trusted international organisation with a global customer base of around 39 million customers worldwide through a network that covers 62 countries and territories. In Europe, our ambition is to become the leading international wholesale bank and we need talent like you to help us meet our ambition. Whether you want a career that could take you to the top or in an exciting new direction—we offer opportunities, support and rewards that will take you further.
What you will do: 
The Product Manager – Business Current Account role is based within Global Payments Solutions (GPS), and the role reports to the Global Head of Account Solutions and ESG Propositions, Liquidity & Investments Product Management.
The Business Current Account is a bank account through which customers can place funds, withdraw cash and execute and receive payment transactions to and from third parties, including the execution of credit transfers. BCA is typically linked to many other Banking and Wholesale products such as payments, liquidity, trade, digital etc.
The purpose of the BCA Product Management role is to provide end-to-end product management activities as well as oversight over BCA-related account services.
The Product Manager will have an opportunity to work in a dynamic and diverse team.
This is a key role within a global matrix and will provide the opportunity to take on other side projects that align closely to our goal. It’s important that he has the mindset and desire to be able to manage concurrent tasks/projects.
In this role you will:
1. Product Framework - to ensure client centricity, drive resilient and consistent business results
  • Lead development of product and project plans to support the strategy execution.
  • Ensure the product is designed to meet customer needs and is aligned to the global GPS strategy.
  • Perform product performance analysis on a regular basis; provide directional change and drive optimization initiatives where needed.
  • Execute product development, approval of new features, enhancements, pilots.
  • Manage and maintain the Global Product Inventory (GPI) and ensure the product is sold to the designated client base only.
2. Pricing and Revenue Management
  • Understand existing pricing tariff and own the annual certification of all relevant BCA fees aligned to GPS.
  • Undertake market research to ensure pricing is still competitive and relevant.
  • Define new pricing parameters and provide documented rationale to show how the respective product/services delivers a balanced exchange of value.
  • Ensure that any new price points or changes to prices are approved/noted at  the relevant governance forums and align to the LOB’s Pricing Principles and Guidelines.
  • Undertake remediation projects where needed to manager risk, revenue and profitability streams.
3. Risk and Control Management
  • As First Line of Defense - identify, assess, and monitor key product risks.
  • Own Product Governance including periodic recertification, needed documentation for product governance such as product process maps etc.
  • Embed relevant product specific recommendations from first, second and third line of defense
  • Consult other product managers, service teams and risk stewards regarding trigger events and issues.
  • Work with the GDOCs and LoB teams to ensure correct product documentation storage / record keeping / audit trails maintained throughout the product lifecycle.
  • Ensure product documentation is regularly reviewed with appropriate stakeholders as part of the product review cycle.
  • Ensure the product is in line with local regulation and regional regulations where applicable.
  • Understand the Wholesale Risk and Control Framework related to the Account Servicing value stream.
4. Commercialization Management
  • Understand and manage product distribution network, roles and responsibilities of those involved, including third party providers (internal/external) and channels that are used in relation to the product (e.g. Internet Banking, Telephone Banking).
  • Establish a consistent product performance metrics.
  • Establish an up-to-date product collateral (training material, internal/external factsheets etc).
  • Establish a periodic training routine for front line, service and onboarding teams.
  • Facilitate internal / external comparison of product features (as appropriate) and establish mechanisms to obtain ‘Voice of Customer’ information (e.g. customer surveys, analysis of complaints etc.) to input new product development and evolution of existing features.
5. Account Servicing
  • Provide oversight and monitoring of account servicing activities as part of the account servicing value stream.
  • Understand Wholesale Clients Services (WCS), DBS WCAS processes, respective OKRs and KPIs and MI.
  • Collaborate with WCAS and WCS on design of process maps, monitor and facilitate the improvement of performance levels.
  • Work together with WCS, WCAS and LOB teams to identify tools and processes required to enable product/feature prelaunch activities (e.g. user acceptance testing (UAT), operational guidelines, marketing materials).
• Able to demonstrate effective communication and influencing skills, and experience in operating within larger cross-functional organizations with matrix environment.
• An agile self-starter (‘learning-by-doing’ attitude), with a curious mindset and strong eye on detail
• Lateral thinker with strong analytical and good problem-solving skills.
• Experience in product management, client management, business transformation or operations
• Ability to work effectively with multiple business and technology partners to drive innovation and deliver product enhancements.
• Commercially minded and focused on customer outcomes.
• Ability to lead and motivate to ensure delivery of objectives in a timely and effective manner.
• A team-worker with effective interpersonal skills and stakeholder management skills.
• A highly motivated and committed individual with a deep desire to learn and excel.
• Strong interpersonal and communication skills (written and verbal).
• High data literacy and IT skills (MS Office 365)
• Experience in cash management is desirable.
• Familiar with current and future industry trends relating to account propositions, payments, liquidity, digital etc.
Even if you feel you do not fit 100% of our qualifications, we encourage you to not let this hold you back from applying if you believe this is the role for you.
What you’ll get in return:
• We’ll help you progress your career, including access to development programmes, mentoring and coaching, as well as world-class training through HSBC University
• You can work your way and will have a say in when, where and how you and your team flexibly work together
• Our flexible benefits will give you financial security, including: employer-funded pension, Holiday vouchers based on your reference tax income. Our family-focused benefits can help you to support your loved ones, including partial reimbursement of childcare costs, allowance for parents of children with disabilities, days off for key events (weddings, moving house),
• We’ll give you a huge range of resources that support your mental, physical and social well-being, including: free access to Headspace app, health checks, 5 weeks paid vacation
• You’ll have opportunities to work internationally - this can be your place to start and branch out to anywhere we have offices
• You’ll be able to join our Employee Resource Groups that bring together colleagues with shared characteristics and common interests.

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