Head of Cards&Loans Retail Banking and Wealth Management HSBC China (Pearl River Delta) -（职位编号：0000BTXF）Retail Banking and Wealth Management (RBWM)Retail Banking and Wealth Management leverages HSBC’s global retail banking expertise and wealth management capabilities to deliver a broad range of world-class retail banking solutions to millions of customers. Driving for growth in key markets around the world, the business comprises areas such as retail banking, wealth management, insurance and asset management, with a focus on customer-centric propositions and innovative and efficient distribution channels that will differentiate our customer experience and deliver market leading retail banking and wealth management solutions.We are currently seeking an experienced professional to join our team.In this role, you will:-Be responsible for driving product strategy for cards and loans, and an overall framework for implementation-Be responsible for developing and launching new products at pace, in order to compete well in key segments and with newproduct functionality-Oversee profit Performance/RORWA/CER delivery of cards and loans to ensure overall AOP is delivered intervening as required to ensure AOP targets are met-Review all product portfolios and make approprate strategic recommendations on future investment and growth, manage satisfactory control in the product areas-Adhere to the Global standard product range for cards and loans, to improve cost efficiency and allow the leveraging of Group scale-Be responsible for establishing and maintaining the Product CoE for asset based products and ensuring alignment with Group Propositions-Be responsible for owning product prioritization within a Global order book and sponsor change programmes to deliver that vision-Own the right outcomes with key functions to deliver across the broad set of KPIs - marketing distribution including digital, service delivery, change delivery, risk, finance and analytics-Work with key functions (eg Risk) as a subject matter expert to ensure policies and approach is optimised at the country level, providing thoughtful challenge in the context of HSBC China's goals and objectives-Be compliant with regulatory procedures, management and implementation of key audit recommendations. Ensure regulatory compliance and satisfactory operational risk performance, working with group audit and countries/regions as appropriate-Establish management procedures to ensure adherence to Group policies and manage operational risk-Deliver fair outcomes for our customers and ensure own conduct maintains the orderly and transparent operation of financial markets职位要求：To be successful in the role, you should meet the following requirements:-Bachelor's degree or above-Significant knowledge of Credit Card and Loan businesses across China-Substantial experience of market leading Credit Card and Loan capability-Proven experience of delivering strategies in large retail financial services organizations, particularly growth oriented strategies-Experience of working closely with risk function-Experience in dealing/negotiating with large commercial external stakeholders in China, e.g., Unionpay, Mastercard and Visa etc.-Significant experience of designing and launching new products in China market-Experience of data analytics and their application in CRM, risk and revenue management-Retail Banking experience, familiarity with Large Bank environment. Excellent customer relationships-Strong people leadership, team work, gathering information and analyzing, judgment and decision making, communication competencies-Fluent Mandarin and EnglishYou’ll achieve more when you join HSBC.www.hsbc.com.cn/careersHSBC 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 and 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. HSBCAXS/OC/*Issued by HSBC Bank (China) Company Limited