Customer Proposition Product Owner - Digital Wealth

If you’re looking for a career that will help you stand out, join HSBC, and fulfil your potential - whether you want a career that could take you to the top, or an exciting new direction, we offer opportunities, support and rewards that will take you further.

We’re one of the largest banking and financial services organisations in the world, with a network that covers more than 50 countries and territories. We aim to be where the growth is, enabling businesses to thrive and economies to prosper, and, ultimately, helping people fulfil their hopes and realise their ambitions.

We’re currently seeking an experienced professional to join our team in the role of Customer Proposition Product Owner - Digital Wealth.

The Customer Proposition Product Owner will lead the delivery and continuous improvement of our direct-to-consumer (D2C) retail wealth proposition, in line with our strategic direction. Positioned at the centre of our retail wealth business, you’ll play a key role in shaping products, services and experiences that meet the needs of today’s investors — and stay ahead of what customers will expect next. You’ll own and maintain the proposition backlog, prioritising work that creates a compelling, differentiated and customer-led offer that drives growth, engagement and long-term value in the fast-moving UK retail investment market. Acting as the voice of the customer, you’ll turn customer insight, market trends and strategic priorities into clear product outcomes and an outstanding end-to-end experience. Working closely with agile delivery teams and proposition stakeholders, you’ll connect proposition strategy to execution, ensuring we evolve our offer at pace for digitally savvy investors and stand out in a competitive landscape. Your scope will span investment accounts, digital tools and experiences, retirement planning and key customer journeys, among other areas.

As an HSBC employee in the UK, you’ll have access to tailored professional development opportunities and a competitive pay and benefits package. This includes private healthcare for all UK-based employees, enhanced maternity and adoption pay and support when you return to work, and a contributory pension scheme with a generous employer contribution.

In this role you’ll:

• Own the end-to-end retail investments and wealth proposition across wrappers (e.g., ISA, GIA, SIPP), platforms and guidance, ensuring it meets customer needs, regulatory expectations and business priorities.
• Lead delivery from inception to deployment, including planning and tracking build, organising and supporting UAT, enabling user training, and providing post-deployment support.
• Act as Product Owner for requirements definition, partnering with BAs, Dev Pods and business SMEs to confirm epics, create user stories, and refine requirements with architecture and engineering teams.
• Manage and prioritise the product backlog, running regular grooming to maximise customer value and commercial outcomes, and ensuring the team is focused on the highest-impact work.
• Champion insight-led, customer-first design, working with Customer Research, Commercialisation, Digital Experience and UX to test and validate ideas through prototypes, pilots and feedback loops.
• Drive performance, compliance and stakeholder alignment, embedding risk and regulatory requirements (e.g., Consumer Duty, value assessments), tracking KPIs/OKRs (e.g., acquisition, engagement, retention, AUM, NPS), partnering across Product/Marketing/Compliance/Risk/Technology, and deputising for the Head of Customer Proposition when required.

To be successful in this role you should meet the following requirements:

• Proven experience as a Product Owner or Customer Proposition Manager within digital wealth is essential.
• Strong commercial acumen, with a solid understanding of investment products (e.g., ISAs, SIPPs, GIAs) and customer behaviour.
• Deep knowledge of retail customer needs, including segmentation, end-to-end journeys and experience design.
• Experienced in agile delivery, working effectively with cross-functional pods and technology delivery teams.
• Customer-first and innovation-led mindset, with a commitment to financial inclusion and supporting long-term investing outcomes.
• Confident, influential communicator, with strong stakeholder management skills across senior leaders and teams spanning product, compliance, technology and commercial functions.

Opening up a world of opportunity.

Being open to different points of view is important for our business and the communities we serve. At HSBC, we’re dedicated to creating diverse and inclusive workplaces - no matter their gender, ethnicity, disability, religion, sexual orientation, socio-economic background or age. We are committed to removing barriers and ensuring careers at HSBC are inclusive and accessible for everyone to be at their best. We take pride in being a Disability Confident Leader and will offer an interview to people with disabilities, long term conditions or neurodivergent candidates who meet the minimum criteria for the role.

If you have a need that requires accommodations or changes during the recruitment process, please get in touch with our Recruitment Helpdesk via hsbc.recruitment@hsbc.com.