Manager, Unsecured Loans Product Management - Hang Seng Bank (HK)

  • Competitive
  • Hong Kong
  • Permanent, Full time
  • Hang Seng Bank Limited
  • 23 May 19

Manager, Unsecured Loans Product Management - Hang Seng Bank (HK)

A Career with Hang Seng Bank

Hang Seng is committed to service excellence. Our people are our most important asset and play a vital role in our efforts to continually enhance our performance for customers and provide best-in-class products and services. We seek to attract high-calibre talent by offering a dynamic working environment, good career development opportunities and competitive compensation packages.

Manager, Unsecured Loans Product Management

Consumer Assets- Secured and Unsecured Loan Products

Hang Seng's Personal Lending business offers a full spectrum of personal loan products and services to customers, including Installment Loan, Tax Loan, Revolving Loan and overdraft.

Our team develops product strategy, product propositions and pricing strategy for unsecured personal lending products while providing business direction to aggressively grow the product portfolio.

With growing business, we are currently seeking high caliber professionals to join our department as Manager, Unsecured Loans Product Management.

Principal Responsibilities

  • Responsible for overall performance, profitability and operation efficiency of Personal Instalment Loan, Revolving Loan or Unsecured Overdraft
  • Launch marketing programs and formulate segmentation and channel strategies to maximize efficiency for marketing campaigns
  • Design pricing strategies and marketing offers for different products, according to customer segments and credit profile to maximize the risk adjusted return
  • Monitor credit performance and liaise with Credit to review credit policies and underwriting process
  • Liaise with different sales channels and operations to develop efficient and effective sales and operating workflows
  • Work with different channels including telesales and digital banking to drive business from new customers and boost cross selling opportunities from existing customer base. Monitor the performance of sales channels and evaluate programs results
  • Drive product development and system enhancement projects to enhance product features, improve customer journey and comply with regulatory requirements

  • University degree in a related discipline or other relevant qualifications
  • Minimum of 5 years' retail banking experience, with exposure to consumer lending an advantage
  • Strong product development and project management skills
  • Strong team orientation, with good communication and interpersonal skills
  • Proficiency in both English and Chinese
  • Great sense of ownership and servicing mindset to ensure efficient and effective customer service processes