Senior Unsecured Loan Product and Channel Management Manager - Hang Seng Bank (HK)

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

Senior Unsecured Loan Product and Channel Management Manager - 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.

Senior Unsecured Loan Product and Channel Management Manager

Consumer Assets - Unsecured Personal Lending

Hang Seng's Unsecured Loans business offers a full spectrum of cards and personal loan products and services to customers.

We have over 20 card products, including generic credit cards, co-branded credit cards, affinity cards and commercial cards, and are one of the leading credit card issuers in the market. We are dedicated to offering customers superior credit card services and loyalty schemes, with an aim of enabling customers to get the most out of their day-to-day spending.

Our Unsecured Personal Loan services offer installment loans, revolving loans, and overdraft facilities to meet the financial needs of customers at all levels.

We are currently seeking high caliber professionals to join our department as Senior Unsecured Loan Product and Channel Management Manager.

Principal responsibilities:

  • Lead an unsecured loan team to own the overall performance and profitability of all suites of unsecured loan products including Personal Instalment Loan, Debt Consolidation Loan, Tax Loan, Revolving Loan, etc.
  • Drive and coordinate the full product life cycle of unsecurd loan products including new loan acquisition, portfolio management, new product launch, pricing and funding, policy control and risk management oversight.
  • Ensure consistent delivery of superior customer experience throughout the product lifespan for personal lending business.
  • Drive product range optimisation to maximize profitablity and devise product and pricing proposition to respond to competitive market environment .
  • Devise marketing and segmentation strategies and launch above-the-line and below-the-line marketing campaigns to drive business results while optimize marketing efficiency.
  • Cooperate with distribution channels including telesales and digital banking to drive business from new customers and boost cross selling opportunities from existing customer base.
  • 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 10 years' retail banking experience, with exposure to consumer lending as an advantage
  • Strong business vision, strategic and analytical thinking
  • Strong leadership and people management skills
  • Strong interpersonal and project management skills
  • Proficiency in both English and Chinese