Senior Mortgage Pricing Leader — Strategy & Growth

HSBC Holdings plc; Birmingham; On-site; GBP 90,000 - 130,000; Full time

Job summary

HSBC Holdings plc in the UK is seeking a senior pricing professional to shape mortgage pricing strategy across HSBC UK and first direct, translating market insight and portfolio analytics into actionable pricing decisions.

You will own end-to-end pricing governance, guardrails and rate architecture, coordinating with Product, Planning & Performance, Finance, Treasury and Risk to balance volume, margin and risk while delivering fair value for customers in a fast-moving market.

Qualifications

• Deep expertise in Retail Banking and UK mortgage regulatory and conduct expectations including FCA fair value and customer outcomes

Responsibilities

• Shape mortgage pricing strategy with Product leadership and the Head of Pricing, Planning & Performance translating strategic intent into pricing outcomes
• Own end-to-end mortgage pricing decisions and outcomes across new business and retention from design and validation through to execution and performance tracking
• Establish and agree pricing principles, guardrails and rate architecture direction to support consistent decisions at pace particularly through market volatility
• Define the operating model, decision rights and internal governance that enables pace-to-market with strong control, transparency and auditability
• Optimise trade-offs between volume, margin and credit risk appetite within agreed risk appetite and conduct standards
• Partner with Treasury, Finance, Credit Risk and Planning & Performance to align pricing with funding, capital and risk-return priorities
• Embed market and customer insight including competitor intelligence, macro signals and behavioural modelling to anticipate market moves and take proactive pricing action

Skills

Mortgage pricing

Retail Banking

UK regulatory

Pricing governance

Data fluency

Cross-functional collaboration

Job description

HSBC Holdings plc in the UK is seeking a senior pricing professional to shape mortgage pricing strategy across HSBC UK and first direct, translating market insight and portfolio analytics into actionable pricing decisions.

You will own end-to-end pricing governance, guardrails and rate architecture, coordinating with Product, Planning & Performance, Finance, Treasury and Risk to balance volume, margin and risk while delivering fair value for customers in a fast-moving market.