Product Manager

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Business Description:

HSBC Corporate and Institutional Banking is a markets-led, financing-focused business that provides investment and financial solutions. Through our international network, we connect emerging and mature markets, covering key growth areas. We partner with our corporate, government and institutional clients to help them achieve consistent, long-term performance. Our products and services include advisory, financing, prime services, research and analysis, securities services, trading and sales and transaction banking.

We are currently seeking an experienced professional to join the Global Payment Services (GPS), GPS INM Product team as Product Manager – Receivables.

Job Introduction

Manage the GPS INM receivables portfolio, encompassing UPI, NACH, Virtual Accounts, Omni Collect and structured B2B reconciliation products, including DART, ARR and third-party offerings. The role covers the end-to-end product lifecycle, from concept, development and enhancement to launch, maintenance and commercialisation. Working under the guidance of the Senior Product Manager, coordinate internal teams and external partners to deliver seamless client onboarding, effective collection and reconciliation solutions, robust supporting processes, sound product governance and a consistent client experience.

Principal Responsibilities

- Manage the development, enhancement, launch, maintenance and ongoing performance of UPI, NACH, Virtual Accounts, Omni Collect, DART, ARR and other structured B2B and third-party reconciliation offerings.
- Translate client needs and business requirements into defined product designs, prioritised enhancements and actionable launch plans. Use market insights, competitor benchmarking and client feedback from Sales, Coverage and GPS teams to develop differentiated propositions, maintain a prioritised backlog and incorporate client validation and pilot feedback.
- Evaluate partnerships with acquiring providers, payment platforms and reconciliation solution providers. Coordinate IT, Operations, Client Management, GPS teams and external partners to deliver integrated client collection and reconciliation propositions, with clear ownership, agreed actions and appropriate partner due diligence and governance.
- Define and maintain end-to-end operating and service models covering client onboarding, production service continuity, collections, reconciliation, exception handling and ongoing servicing. Work with Operations and Client Management to document and agree workflows and resolve exceptions within agreed service timelines.
- Coordinate product deployments, enhancements, testing and launch readiness, with documented requirements and stakeholder approvals. Deliver assigned initiatives against agreed milestones and provide concise updates on priorities, progress, risks and decisions, escalating delivery dependencies promptly to the Senior Product Manager.
- Support commercialisation and client adoption through product collateral, sales enablement and ongoing enhancements. Partner with GPS and Coverage teams to convert client opportunities into suitable receivables solutions, tracking progress against agreed plans, product adoption and client usage.
- Ensure alignment with applicable regulatory guidelines and HSBC policies, internal controls and the Group Compliance Policy. Identify product, third-party and operational risks with risk stewards, coordinate controls and approvals, track mitigating actions and report losses appropriately. Support third-party assessments, regulatory reporting and client-issue resolution; monitor relevant collection, reconciliation and applicable partner chargeback/refund metrics; submit credit-risk exceptions and pricing decisions for approval; and ensure timely implementation of audit actions and resolution of regulator-raised issues.

Role Requirements / Education Qualifications / Certifications / Experience:

- Graduate or postgraduate qualification, or equivalent, with a university degree and/or relevant training qualifications.
- Demonstrated progressive experience and a proven track record in cash management, receivables and/or payments product development and management, or equivalent relevant experience, including product development, project management, fintech engagement and market- or client-facing banking functions.
- Corporate transaction banking or cash management experience is preferred, but not mandatory. Experience in merchant acquiring, UPI collections, NACH, Virtual Accounts or structured B2B reconciliation is preferred, but not mandatory; familiarity with DART, ARR or third-party reconciliation offerings is beneficial.
- Demonstrated project and programme management experience, including co-creating solutions with IT and internal business partners. Excellent planning, organisation and time-management skills, with the ability to influence decisions and deliver within tight deadlines.
- Ability to develop innovative, flexible solutions addressing client needs and to understand clients’ business models, operating needs and core business fundamentals. Sound business acumen and commercial awareness, including relevant economic, cultural, procedural and regulatory considerations.
- Strong interpersonal, negotiation and stakeholder management skills, with the ability to build effective internal and external relationships. A collaborative approach to teamwork, supported by self-motivation and a proactive working style.
- Strong numerical and analytical skills, with the ability to develop well-founded recommendations for decision-making. Familiarity with emerging technologies is preferred.
- Excellent written and verbal communication skills, including clear, compelling presentations. Fluency in English is expected; additional language skills are beneficial.

Pro-tip : Familiarity with AI-enabled tools is an advantage.

Additional Notes:

Mandatory to successfully complete Anti-Money Laundering and Sanctions training and post-course assessment, as required.

As an employee, you are required to perform your duties in a professional capacity exercising independent judgement, discretion and decision-making authority in planning, organising, directing work, supervising and appraising the work of team members, as applicable; and taking accountability for delivery outcomes. You will represent the organization with relevant internal and external stakeholders. You will allocate and prioritize work, provide direction and feedback, manage team capacity and leave in line with policy as applicable.

You’ll achieve more at HSBC.

HSBC is committed to building a culture where all employees are valued, respected and opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working and opportunities to grow within an inclusive and diverse environment.

Personal data held by the Bank relating to employment applications will be used in accordance with our Privacy Statement, which is available on our website.

Issued by The Hongkong and Shanghai Banking Corporation Limited, India