Unsecured Lending Manager - UAE National (22350) Some careers prize diversity more than others. If you’re looking for a role where you can continue to make an impression, take the next step at HSBC where your contributions will always be valued. HSBC International Wealth and Premier Banking is our global business providing products and services such as bank accounts, credit cards, personal loans, instalment lending, mortgages and saving accounts, as well as asset management, insurance, wealth management and private banking that best suit our customers’ needs. In this role you will: Drive profitable cards sales growth, responsible for card customers’ life cycle management from on boarding till retention covering activation and ongoing engagement. Own cards KPIs related to activation and spends Support to design & implement strategies to achieve engagement targets, spend activation. Deploy data backed insights to identify targets & execute actions. Establish a close working relationship with stakeholders and delivery partners, actively managing dependencies between teams and other projects and programs. Identify & lead capabilities efforts to deploy customer centric digital solutions, new product(s) opportunities. Ensure compliance of relevant regulations & company policies Support to x-sell/scale Personal loans to the existing book Ensure Cards policies and processes are fair, compliant, customer-centric and commercially sustainable across all stages of the customer life cycle and engagement activities. Maintain HSBC internal control standards, including the timely implementation of internal and external audit observations together with any issues raised by external regulators. Focus on improving cards spends and revenues Adopt the Value Streams and Agile ways of working to efficiently deliver products and process streamlining to both clients and frontline colleagues The role holder is responsible for Portfolio Management of Propositional Cards and grow the spend Provide management direction to achieve a high level of employee engagement. Ensure the business is managed within the requirements of the GSM and FIMs and within an operational risk framework. Provides strong oversight over all regulatory and compliance matters, including the management of risk for Cards Products To be successful in the role, you should meet the following requirements: Graduation degree is REQUIRED – to secure a UAE Visa and Work Permit. Bachelor’s degree in Business, Finance, Economics/Statistics, or a related field. Preferably 2 years of Banking experience in retail Product, portfolio, risk, Finance, Distribution or Marketing function with preferably 2 years of cards product and portfolio experience. Knowledge and experience of a retail banking business in an emerging market Excellent customer relationships Strong analytical skills Communication and engagement skills Consultative approach to decision making Ability to gain consensus and agreement between geographically diverse countries and cultures HSBC UAE (except DIFC and ADGM employees) – hence in line with the term of work permit, a 4 years’ contract would be issued. For further details and application information please visit our careers site, searching under reference number 22350. You’ll achieve more at HSBC. 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. Issued by The Hong Kong and Shanghai Banking Corporation Limited.