Senior Mortgage Pricing Product Owner

HSBC; Chester; Hybrid; GBP 95,000 - 130,000; Full time

Benefits offered by this job

Private healthcare for UK employees

Enhanced maternity and adoption pay

Contributory pension scheme

Job summary

HSBC is seeking a Lead Product Owner - Mortgage Pricing to drive pricing strategy across the mortgage portfolio. The role focuses on developing pricing models, analysing market dynamics, and delivering best-in-class customer propositions while ensuring regulatory compliance.

You will guide pricing governance, collaborate with Product and Finance, and support growth with data-driven insights and advanced analytics. The role offers hybrid working across multiple UK sites including Chester.

Qualifications

• Extensive experience in UK mortgage pricing or closely related lending discipline.
• Deep knowledge of mortgage products, segments, channels and profitability drivers.
• Strong understanding of funds transfer pricing, liquidity, credit risk and risk-based margins.
• Advanced analytical and modelling capabilities using pricing tools and data platforms (SQL, SAS, Python, GCP, BigQuery or Looker).
• Excellent stakeholder management, influencing and communication skills under pressure (essential).
• Knowledge of UK mortgage regulation, Consumer Duty, fair value and responsible lending.

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, transfers and retention.
• Translate funding, capital, liquidity, and credit risk considerations into pricing recommendations.
• Monitor market trends and competitor activity; communicate trade-offs and expected outcomes to senior stakeholders.
• Provide commercial insights and clear recommendations to senior stakeholders.

Skills

Mortgage pricing

Portfolio management

Stakeholder management

Analytical modelling

Tools

SQL

SAS

Python

GCP

BigQuery

Looker

Job description

HSBC is seeking a Lead Product Owner - Mortgage Pricing to drive pricing strategy across the mortgage portfolio. The role focuses on developing pricing models, analysing market dynamics, and delivering best-in-class customer propositions while ensuring regulatory compliance.

You will guide pricing governance, collaborate with Product and Finance, and support growth with data-driven insights and advanced analytics. The role offers hybrid working across multiple UK sites including Chester.