Head of Retail Insurance, Process, Policy and Regulatory Development UAE

HSBC Holdings plc; Dubai; Hybrid; AED 180,000 - 280,000; Full time

Job summary

HSBC UAE is seeking a Head of Retail Insurance, Process, Policy and Regulatory Development to lead the Payments function for WPB UAE. The role focuses on strategy, governance and digital journey improvement, with collaboration across Product, Operations, Technology, Risk and Compliance to meet regulatory requirements and strategic objectives.

You will drive simplification, automation and continuous improvement while strengthening governance, controls and customer experiences in a fast-paced,

Qualifications

• Strong knowledge of retail payments and end-to-end payment lifecycle.
• Good understanding of UAE payment regulations and industry standards.
• Experience developing payment products, operating models and customer journeys, including digital channels.
• Proven ability to deliver multifunctional projects and influence stakeholders across functions.
• Strong results orientation across developed and developing markets.
• Full-time degree of at least three years is essential for UAE visa and work permit (external attestations for degrees outside UAE).

Responsibilities

• Develop and execute UAE Payments strategy to improve adoption, volumes, service reliability and commercial performance.
• Own and maintain payments process framework with clear procedures and controls.
• Lead regulatory, policy and scheme change assessment and implementation with governance and communications.
• Improve payment journeys by simplifying processes and enhancing digital channels.
• Strengthen the control environment across operational, regulatory and financial risk areas.
• Lead and develop Payments, Process, Procedure and Regulatory Development teams for cross-functional delivery.

Skills

Retail payments

Regulatory knowledge

Project delivery

Customer journeys

Results orientation

Education

University degree 3+ years

Job description

Head of Retail Insurance, Process, Policy and Regulatory Development UAE

Location: Dubai, Dubai, AE, -

Brand: HSBC

Area of Interest:

Role Workstyle: Hybrid Worker

Date: 21 Oct 2026

HSBC International Wealth and Premier Banking aims to be the international bank of choice for affluent customers, supporting their domestic and international banking, and holistic wealth management needs. We provide a leading premium proposition through Premier Banking and, together with our Global 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.

This role will lead the Payments function for WPB UAE, providing strategic oversight of payment products, processes, procedures, policies and regulatory change. The role will drive safe, efficient and customer-focused payment services, while strengthening governance and controls, improving digital journeys, and delivering simplification, automation and continuous improvement. Working across Product, Operations, Technology, Risk, Compliance and other key stakeholders, the role will ensure regulatory requirements are implemented effectively and support the bank’s strategic objectives.

In this role, you will:

• Payments Strategy and Business Performance: Develop and execute the UAE Payments strategy, enhancing customer adoption, transaction volumes, service reliability, commercial performance and payment capabilities.
• End-to-End Process, Procedure and Policy Ownership: Own and maintain the payments process framework, ensuring procedures are clear, controlled, practical, up to date and aligned with the operating model and regulatory requirements.
• Regulatory Change and Governance: Lead the assessment and implementation of payment-related regulatory, policy and scheme changes, ensuring timely approvals, communication, operational readiness and post-implementation reviews.
• Customer and Stakeholder Experience: Improve payment journeys by reducing complexity, delays, errors and avoidable customer contacts, while working closely with Product, Operations, Technology, Compliance, Legal, Risk, Finance and Distribution teams.
• Operational Risk, Controls and Resilience: Strengthen the payments control environment by managing operational, conduct, compliance, financial crime, technology, data and third-party risks, including incidents, reconciliations, exceptions and audit actions.
• Leadership, Transformation and Continuous Improvement: Lead and develop the Payments, Process, Procedure and Regulatory Development team while driving simplification, standardization, automation, digitization and cross-functional delivery across the bank.

To be successful in the role, you should meet the following requirements:

• Strong knowledge of retail payments, transactional banking products, payment schemes and the end-to-end payment lifecycle, including initiation, authorisation, clearing, settlement, reconciliation, returns, investigations and disputes.
• Good understanding of UAE payment regulations, regulatory expectations and relevant industry standards, with the ability to assess and implement regulatory and scheme changes.
• Proven experience developing and implementing payment products, operating models and customer journeys, including digital channels, automation and straight-through processing.
• Demonstrated success delivering multifunctional projects and influencing stakeholders across Product, Operations, Technology, Compliance, Legal, Risk, Finance and Distribution.
• Strong results orientation, with experience working across both developing and developed markets, identifying and integrating product manufacturing, and driving process simplification, standardisation and continuous improvement.
• A full-time graduation degree of at least three years is essential for obtaining a UAE visa and work permit. For degrees obtained outside the UAE, valid attestations and equivalency are also mandatory.

You’ll achieve more at HSBC.

www.hsbc.com/careers

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Issued by The Hong Kong and Shanghai Banking Corporation Limited.