Head of Liabilities and Payments UAE

Overview

In This Role, You Will

• Own Liabilities & Payments strategy (CASA, Deposits, Payments): Define and manage product, pricing and marketing plans to meet customer needs and grow penetration/market share.
• Drive financial performance: Manage a significant balance sheet and P&L, delivering FRP outcomes through balance growth, margin optimization, fee/interest income and payment usage.
• Optimize and evolve the product portfolio: Use market trends, customer segmentation and portfolio reviews to identify gaps/opportunities, prioritize initiatives and maintain a competitive proposition.
• Lead change and capability delivery: Provide product expertise and deliver change programs, including multi-channel and Mobile-led enhancements, to hit revenue and digital delivery targets.
• Improve customer journeys and experience: Streamline end-to-end processes, strengthen customer communications, and partner with Customer Experience teams to resolve pain points and improve satisfaction/NPS.
• Ensure governance and controls: Maintain 1st line accountability for controls, policy-compliant product launches, and effective engagement/influence across key UAE governance forums and senior stakeholders.
• To be successful in the role, you should meet the following requirements:
• + Minimum 10 years’ experience in transaction banking product development / sales / marketing within leading financial institutions.
• + Solid product knowledge across CASA, deposits and payments, with a proven product development track record.
• + Demonstrated ability to deliver outcomes and take responsibility for end-to-end commercial KPIs (balance, margin, fees, usage).
• + Experience coordinating across sales, training, IT and financial planning, and delivering multi-function projects successfully.
• + Excellent relationship-building, influence and leadership skills, able to make tough decisions and drive high standards across Group/country partners.
• + Experience across developed and developing markets, culturally sensitive to local needs, with strong emotional intelligence and integrity, including comfort operating within a risk & control environment.
• + A graduation degree is essential for obtaining a UAE visa and work permit.
• If your university certificate is from outside the UAE, up-to-date attestations and equivalency are also mandatory (Recognition of Higher Education Qualifications Issued Outside The UAE).
• You’ll achieve more at HSBC.
• www.hsbc.com/careers
• 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.
• We believe diversity brings benefits for our customers, our business and our people.
• Different ideas and perspectives help us innovate, manage risk and grow the business in a sustainable way.
• 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.