Mortgage Pricing Lead: Strategy & Growth

HSBC; Birmingham; Hybrid; GBP 95,000 - 125,000; Full time

Benefits offered by this job

Private healthcare

Contributory pension

Flexible working options

Job summary

HSBC is seeking an experienced Lead Product Owner for Mortgage Pricing to lead the pricing strategy and governance across the mortgage portfolio. You will shape customer propositions and drive growth while balancing risk, regulatory expectations and profitability.

In this hybrid role, based in the UK with a base location in Birmingham, Leeds, Sheffield or Chester, you will collaborate with Product, Finance and modelling teams to deliver best-in-class pricing capabilities, automate decisioning

Qualifications

• Extensive experience in UK mortgage pricing or related lending discipline.
• Strong knowledge of mortgage products, profitability drivers and customer segments.
• Experience with pricing governance, risk controls and Consumer Duty requirements.

Responsibilities

• Build and enhance pricing models, elasticity analysis, scenario testing and forecasting to support pricing decisions and performance outcomes.
• Develop and manage mortgage pricing across new business, product transfers and retention with a balance of value, competitiveness and risk-adjusted returns.
• Translate funding, capital, liquidity, and credit risk considerations into pricing recommendations.
• Monitor market trends and customer behaviour, and explain trade-offs and expected outcomes to senior stakeholders.
• Provide commercial insight and clear recommendations to senior stakeholders, outlining risks and business impacts.
• Improve mortgage pricing capability through data, automation and process enhancements.
• Govern pricing models governance, monitoring and maintenance to avoid adverse impacts.
• Collaborate with Product and Finance for pricing governance, approvals, controls and monitoring.
• Work with Financial Modelling to align assumptions across pricing and financial models.
• Act as subject-matter expert for mortgage pricing and identify opportunities to automate decisioning and improve portfolio performance.

Skills

Mortgage pricing

Pricing strategy

Stakeholder management

Analytical thinking

Commercial finance

Tools

SQL

SAS

Python

GCP

BigQuery

Looker

Job description

HSBC is seeking an experienced Lead Product Owner for Mortgage Pricing to lead the pricing strategy and governance across the mortgage portfolio. You will shape customer propositions and drive growth while balancing risk, regulatory expectations and profitability.

In this hybrid role, based in the UK with a base location in Birmingham, Leeds, Sheffield or Chester, you will collaborate with Product, Finance and modelling teams to deliver best-in-class pricing capabilities, automate decisioning