Mortgage Pricing Lead: Strategy, Modeling & Growth

HSBC; Birmingham; Hybrid; GBP 90,000 - 120,000; Full time

Job summary

HSBC is seeking an experienced Lead Product Owner for Mortgage Pricing to drive pricing strategy across the UK lending portfolio. You will partner with Product and Finance to govern pricing, conduct scenario testing, and deliver data-driven pricing improvements that balance growth and risk.

The role is hybrid with a base in the UK regions listed. You will own mortgage pricing governance, develop advanced models, and communicate insights to senior stakeholders, ensuring compliance with Consumer

Qualifications

• Extensive experience in UK mortgage pricing, product management or closely related lending discipline.
• Deep knowledge of mortgage products, segments, channels and profitability drivers.
• Strong understanding of funds transfer pricing, liquidity costs, credit risk and risk-adjusted returns.
• Advanced analytical and modelling capabilities with pricing tools and data platforms such as SQL, SAS, Python, GCP, BigQuery or Looker.

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.
• Translate funding, capital, liquidity and credit risk considerations into product-level pricing recommendations.
• Monitor competitor activity and market trends to inform pricing actions and explain trade-offs to senior stakeholders.
• Provide commercial insight and clear recommendations, outlining risks and expected business impacts.

Skills

Mortgage pricing

Portfolio management

Stakeholder management

Advanced analytics

SQL

SAS

Python

BigQuery

Education

Bachelor's degree in a relevant field

Tools

Pricing tools

Job description

HSBC is seeking an experienced Lead Product Owner for Mortgage Pricing to drive pricing strategy across the UK lending portfolio. You will partner with Product and Finance to govern pricing, conduct scenario testing, and deliver data-driven pricing improvements that balance growth and risk.

The role is hybrid with a base in the UK regions listed. You will own mortgage pricing governance, develop advanced models, and communicate insights to senior stakeholders, ensuring compliance with Consumer