Regional Head of Commercial Cards, Global Payments Solutions Americas

In compliance with applicable laws, HSBC is committed to employing only those who are authorized to work in the US. Applicants must be legally authorized to work in the U.S. as HSBC will not engage in immigration sponsorship for this position.

Our purpose – Opening up a world of opportunity – explains why we exist. Here at HSBC, we use our unique expertise, capabilities, breadth, and perspectives to open up new kinds of opportunity for our more than 40 million customers. We’re bringing together the people, ideas and capital that nurture progress and growth, helping to create a better world – for our customers, our people, our investors, our communities, and the planet we all share.

The Regional Head of Commercial Cards (Americas) role leads the Commercial Cards team within Global Payments Solutions (Americas). Commercial Card products include Business Corporate Travel & Expense (T&E) Card, Purchasing Card, Lodge Card, and Virtual Cards. This is a key product in HSBC’s Global Payments Solutions (GPS) Business, under Corporate & Institutional Banking (CIB).

The Regional Head of Commercial Cards (Americas) will oversee product design, development and delivery activities to support growth of the Commercial Cards business within Americas (US, Canada, Mexico and Brazil) as well as supporting broader global growth across the global commercial cards business. The candidate is also responsible for maintaining robust risk management and controls alongside Business As Usual (BAU) product management.

The role holder’s responsibilities include:

• Support the drive of customer growth, achieving Fee, Revenue & Pricing (FPR) committed growth targets and maximising the products’ financial contribution


• Management of direct costs across the business and collaborating with key areas managing indirect costs to drive for efficiency


• Oversee the execution of key strategic business initiatives and change management programmes


• Attract talented resources and utilize effectively


• Develop the product strategy for Commercial Cards in Americas working closely with the Global Head of Commercial Cards and GPS Country Heads across the region


• Ensure focus on innovative and digital based solutions (virtual and mobile); continually exploring new opportunities for customer experience improvements and new payment flows


• Ensure adherence to governance and compliance requirements


• Drive a customer focussed environment built on globally consistent and market leading propositions


• Support the development of commercialisation and account management strategies to enhance profitability, deepen penetration and optimisation/demise of unprofitable activities


• Provide support to other teams as required to ensure the ongoing success of Americas and Global Commercial Cards


• Develop and maintain strong working relationships with Operations, Service, CIB Coverage, Risk, Compliance and Legal as well as key third parties such as Mastercard and VISA


• Ensure that the Product team is responsive to the requirements and expectations of customers and the Global Businesses and promote Commercial Cards products, propositions, strategies and initiatives


• Identify and manage key partnerships that can complement our services to improve customer experience and drive revenue


• Maintain a robust and efficient control environment across Commercial Cards to ensure good operational, financial and project management and compliance with HSBC policy and procedures, together with early identification and effective resolution of emerging risks and issues

The ideal candidate for this role will have:

• Experience working in relevant environments, i.e. Banking Product Management and Product Development at a senior level


• Experience working in relevant market/context, i.e. A senior Commercial Cards role


• Relevant market knowledge of Commercial Cards in the region


• Proven experience of leading the delivery of excellent customer service and proactively looking for innovative ways to improve the service delivered to customers


• A track record of delivery and successfully implementing change


• Experience of creating and deploying comprehensive business/operating plans which consistently deliver desired results


• A comprehensive understanding of risk management and proven experience of ensuring own/others' compliance with relevant regulatory processes


• A strong and experienced leader

As an HSBC employee, you will have access to tailored professional development opportunities to ensure you have the right skills for today and tomorrow. We offer a competitive pay and benefits package including a robust Wellness Hub, all in a welcoming and inclusive work environment. You will be empowered to drive HSBC’s engagement with the communities we serve through an industry-leading volunteerism policy, a generous matching gift program, and a comprehensive program of immersive Sustainability and Climate Change Initiatives. You’ll want to join our Employee Resource Groups as they play a central part in life at HSBC, including the development of our employees and networking inside and outside of HSBC. We value difference. We succeed together. We take responsibility. We get it done. And we want you to help us build the bank of the future!

Your final fixed pay offer will depend on the candidate and several variables, including but not limited to, role responsibilities, skill set, depth of experience and education, licensing/certification requirements, internal relativity, and specific work location. 

All qualified applicants will receive consideration for employment without regard to age, ancestry, color, race, national origin, ethnicity, disability or medical condition, genetic information, military or veteran service, religion, creed, sex, gender, pregnancy, childbirth, caregiver status, marital status, citizenship or immigration status, sexual orientation, gender identity or expression or any other trait protected by applicable law.