Vice President Internet Banking

The health and safety of our employees and candidates is very important to us. Due to the current situation related to the Novel Coronavirus (COVID-1+), we’re leveraging our digital capabilities to ensure we can continue to recruit top talent at HSBC. As your application progresses, you may be asked to use one of our digital tools to help you through your recruitment journey. If so, one of our Resourcing colleagues will explain how our video-interviewing technology will be used throughout the recruitment process and will be on hand to answer any questions you might have.

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If you’re looking for a career that will unlock new opportunities, join HSBC and experience the possibilities. Whether you want a career that could take you to the top, or simply take you in an exciting new direction, HSBC offers opportunities, support and rewards that will take you further.

Wealth and Personal Banking is our new global business combining Retail Banking and Wealth Management; and Global Private Banking, to become one of the world’s largest global wealth managers with USD1.4 trillion in assets. Across Asia, where wealth pools are growing faster than in any other region, HSBC’s wealth revenues grew 12% in 2024 (year-on-year) to USD5.7 billion. Our dedicated colleagues serve millions of customers worldwide across the entire spectrum of private wealth, ranging from personal banking individuals and families, through to business owners, investors and ultra-high-net-worth individuals. We provide products and services such as bank accounts, credit cards, personal loans and mortgages, as well as asset management, insurance, wealth management and private banking that best suit our customers’ needs.

Job Introduction

This position is responsible for the strategy, management, and development of Internet Channel into a key sales and service channel and thereby managing this channel as profit center. Also accountable for designing and building digital customer onboarding journey in collaboration with Fintech partners and the technology teams. The role also will help build and manage the payment ecosystem within the Bank in partnership with Fintechs. This involves all the payment platforms including UPI, Bill payment, Enach etc.

VP-Internet Banking and Digital Customer Onboarding is key role within the Digital team.

Principal Responsibilities

Accountable for undertaking Digital Product Management activity, to define best in class digital channel propositions of Personal Internet Banking/Browser Banking across WPB Products/Businesses/Value Streams including Liabilities, Accounts, Wealth Management, Digital Payments-Domestic and FX/Cross-Border, Retail Lending & Credit Cards, Marketing and RBB.
Management and delivery of a digital products & journeys, launch of new digital services, functionalities, and features to customers. Approval of product at the end of sprint and readiness for release to customers. Using customer insight and data to maximise customer experience
Management of the Personal Internet Banking (PIB) Platform and Digital customer onboarding channel including support towards Customer issues, complaints to WPB teams.
Management, Tracking and delivery of Local market Regulatory requirements in the area of Personal Internet Banking working closely with local WPB teams, Regulatory Compliance, Resilience Risk, Legal, Cybersecurity teams, risk stewards and IT.
Accountable for owning and managing product backlog for Personal Internet Banking and Digital customer onboarding from drawdown through to final delivery to the business/ customers including prioritization of backlog items (new requirements, defects, CRs) based on a variety of business, technical, commercial and customer considerations.
Develop strong working relationships with WPB Group Digital Product Management, Value Stream and Platform Leads to understand the global product roadmap in order to design for India regulatory and competitive environment.
Responsible for providing on the ground Subject Matter Expert (SME) support for requirements and delivery sprints, articulating their product vision, owning requirements (user stories, designs, copy) and empowered to make decisions on scope and priorities (based on a variety of factors).
Not directly responsible for a digital P&L but accountable for the effectiveness and efficiency of the design and delivery of their product set.
Primary interactions will be with three broad groups: (a) Local WPB Digital Team and others including Data & Analytics, OI/NRI, Propositions, Marketing, Wealth, MSF, NRI, HOST, IT and Risk Stewards etc (b) External- Regulatory bodies ( (c) Global Digital Product teams, SWD Engineering, Core Banking-Hub team, GHCS team and HSBC Technology India
Requirements
Bachelor’s degree and/or MBA with 10-15 years of experience in Digital Banking, Product Management, Technology, Payments, and Digital customer onboarding
Energetic, positive attitude and team player
Experience in designing products whilst having a passion for creating best in class experiences
Strong analytical skills and the ability to operate effectively with ambiguous and incomplete data.
Strong decision-making skills
Ability to use tools such as Confluence, Jira, Adobe Analytics
Ability to formulate and execute key artifacts such as Product Roadmaps & Business Cases
Useful Link

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Issued by The Hongkong and Shanghai Banking Corporation Limited, India