Senior Mortgage Pricing & Strategy Lead

HSBC Global Services Limited; Birmingham; On-site; GBP 90,000 - 125,000; Full time

Job summary

HSBC Global Services Limited in the UK is seeking a senior pricing professional to shape mortgage pricing strategies for HSBC UK and first direct, balancing market share, margin and customer outcomes. You will own end-to-end pricing decisions from design to execution and performance tracking.

You will work closely with Product Heads, Finance, Treasury and Analytics to ensure pricing decisions align with lending objectives and governance standards in a fast-moving market.

Qualifications

• Deep understanding of mortgage pricing and pricing governance.
• Experience with pricing across new business and retention.
• Strong data, analytics and AI-enabled tooling awareness.

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

Pricing strategy

Retail Banking

UK mortgage knowledge

Job description

HSBC Global Services Limited in the UK is seeking a senior pricing professional to shape mortgage pricing strategies for HSBC UK and first direct, balancing market share, margin and customer outcomes. You will own end-to-end pricing decisions from design to execution and performance tracking.

You will work closely with Product Heads, Finance, Treasury and Analytics to ensure pricing decisions align with lending objectives and governance standards in a fast-moving market.