Head of Cards
About the role
Some Careers Grow Faster Than Others.
If you’re looking for a career that will help you to 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.
International Wealth and Premier 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 Premier Banking provides a leading premium proposition through Premier Banking and, together with our 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-caliber professional to join our team as Head of Cards
Roles & Responsibilities:
In this role, you will:
- Manage the credit card P&L end-to-end.
- Review and modify existing Credit card product features and benefits to maximize profitability and meet customer needs.
- Responsible for analysis of the Credit card portfolio and identifying trends, risks, and opportunities to drive profitable growth.
- Work closely with Marketing to ensure effective communication of product to customers and to improve portfolio metrics.
- Oversee all tasks associated with new program development working closely with key business partners (Marketing, Sales Ops, Phone Bank, Risk, Legal, Compliance, etc.) to introduce and sell the program on an ongoing basis.
- Evaluate product performance and recommend changes in the product or marketing strategy to optimize program performance.
- Work closely with Risk Administration, Underwriting, Compliance, Legal, Ops to ensure effective implementation of account origination and portfolio strategies.
- Accountable for risk management, compliance and audit performance for area(s) of responsibility.
- Establish or work with management to develop effective controls and process to ensure risks are measured, monitored and controlled and compliance requirements are adhered to on an on-going basis.
- Maintain current knowledge of risk-related credit card changes that may impact assigned area(s) of responsibility.
Qualifications & Experience
- Bachelor’s degree in business or finance.
- Experienced at managing Credit card products.
- Demonstrated ability to critically analyze situations and risks, determine paths of action, and make recommendations to remediate issues.
- Strong verbal and written communication skills.
- Experienced managing program level or product level P&L.
- Proficiency with statistical and commercial analysis.
- Familiarity with regulatory compliance requirements as they pertain to aforementioned segment areas.
Opening up a world of opportunity
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.
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