Product Manager, Card Schemes & Unsecured Lending

HSBC; Birmingham; On-site; GBP 65,000 - 90,000; Full time

Benefits offered by this job

Private healthcare

Pension scheme

Hybrid working

Job summary

HSBC in the United Kingdom seeks an experienced Product Manager – Scheme Management (Unsecured Lending) to lead RTB product activities for Visa and Mastercard within the UK Retail Transactional Banking card portfolios.

You will manage scheme investments, governance, and cross-functional collaboration with Finance and external partners, shaping scheme strategy and delivering measurable value for customers and the bank.

Qualifications

• Experience in cards (credit/debit) and/or product management; scheme exposure preferred.
• Strong analytical skills; ability to translate large datasets into actionable insights.
• Solid financial acumen including commercials and P&L thinking.
• Risk and control mindset; ability to navigate governance and regulatory expectations.
• Proven stakeholder management experience with external partners and internal teams.
• Track record of improving processes and delivering better outcomes.

Responsibilities

• Be the RTB product lead for Visa and Mastercard relationships, escalating risks or customer impacts.
• Track scheme bulletins/announcements and coordinate actions with the right teams.
• Manage scheme investment funds (c.$25m annually) with a focus on smart allocation and measurable results.
• Own end-to-end investment fund process: requests, approvals, delivery tracking, benefits realization.
• Oversee claims processing and reconciliation in line with accounting guidance and regulatory expectations.
• Run scheme governance for RBW, including monthly state-of-the-nation reporting and top priorities.
• Collaborate with global teams, RTB colleagues, Finance, and external stakeholders (Visa/Mastercard).
• Maintain strong change, impact, compliance, and controls across scheme activity.

Skills

Card/credit product management

Analytical thinking

Financial acumen

Risk & governance

Stakeholder management

Process improvement

Job description

HSBC in the United Kingdom seeks an experienced Product Manager – Scheme Management (Unsecured Lending) to lead RTB product activities for Visa and Mastercard within the UK Retail Transactional Banking card portfolios.

You will manage scheme investments, governance, and cross-functional collaboration with Finance and external partners, shaping scheme strategy and delivering measurable value for customers and the bank.