Senior Product Manager, Global Payment Solutions - Emerging Payments

In this global role, you'll join the global digital currency product team and work with clients, internal stakeholders, fintech's, central banks and third-party partners to enhance existing offerings and build new propositions,particularly across on-chain payments, stablecoin issuance/distribution and tokenized settlement to support the real-time treasury era.

Principal responsibilities include:

• Global product ownership: Own the GPS Digital Currency product portfolio across on-chain payments, stablecoin-based settlement and tokenized money propositions (e.g., tokenized deposits / regulated stablecoins where applicable).
• Value proposition development: Identify and evaluate market trends in on-chain payments, stablecoins, tokenized money and programmable settlement, and develop a strategy to realise these opportunities,grounded in how corporate and institution treasurers manage liquidity and B2B payments and settlements.
• New product development and roll-out: Develop and commercialise GPS Digital Currency propositions using evolving technologies and networks, including deposit tokens and stablecoin issuance and lifecycle management, on-chain payment and settlement flows (atomic settlement patterns, PvP/DvP concepts, interoperability with existing rails and exception handling), 24/7 operating model design and integration patterns for corporate and institution adoption
• Customer and deal solutioning: Lead product solutioning for RFPs and bespoke client requirements, including treasury and wholesale use cases such as real-time cross-border settlement, intragroup flows, tokenised cash legs for tokenised assets, programmable payments, and conditional/automated settlement aligned to treasury policies.
• Ecosystem and network partnerships: Build and commercialise propositions on Layer 1 / institutional networks (e.g., Canton, BASE, Tempo, Arc-type networks). Develop partnership models with infrastructure providers, fintech’s and market participants to accelerate adoption and distribution.
• Regulator engagement: Support internal teams and external market participants (including regulators) on consultations, proofs of concept, pilots and industry collaborations related to stablecoins, tokenised deposits and on-chain settlement,clearly articulating controls, consumer/wholesale protections (as applicable) and financial stability considerations.
• Risk management and product reviews: Assess and address inherent and residual risks of new GPS Digital Currency products, including financial crime, sanctions, operational resilience, technology risk, legal/regulatory and reputational considerations. Ensure governance and controls suitable for a regulated bank environment, including transaction monitoring for on-chain flows, wallet policy controls and robust audit trails.
• Marketing and thought leadership: Create and respond to media or marketing opportunities to promote HSBC’s leading position in the digital currencies and assets agenda.

Requirements include:

• Client understanding: Strong understanding of wholesale payments clients and corporate treasury needs, especially always-on liquidity, real-time cash visibility, intraday funding and straight-through reconciliation.
• Tokenised payments landscape: Strong insight into stablecoin and tokenised money trends, competitive offerings, disruptors, and evolving regulations, technologies and market infrastructure.
• Commercialisation and network experience: Proven experience commercialising products/propositions on Layer 1 / institutional networks (e.g., Canton, BASE, Tempo, Arc-type networks), including ecosystem strategy, partner management and scaling adoption.
• Technology savvy: Good knowledge of DLT/blockchain, smart contracts, token standards, wallets/custody operating models and API-based integration for on-chain payments and settlement.
• Industry and market standards: In-depth understanding of payments industry standards and settlement message types/formats for B2B payments and wholesale settlement, including SWIFT, CLS and PvP/DvP settlement models.
• Excellent interpersonal skills: Ability to work effectively in a diverse, multicultural team with remote working arrangements.
• Relevant experience: Minimum 8 years’ experience in B2B/Wholesale Payments, Cash Management or Transaction Banking required.
• Language proficiencies: Excellent English verbal and written communication required; Mandarin Chinese is an advantage.