Head of Unsecured Lending, Personal Digital Banking Product Department Head of Unsecured Lending, Personal Digital  …

Bank Of China (Hong Kong) Limited
in Hong Kong
Permanent, Full time
Last application, 22 Apr 21
Competitive
Bank Of China (Hong Kong) Limited
in Hong Kong
Permanent, Full time
Last application, 22 Apr 21
Competitive
Head of Unsecured Lending, Personal Digital Banking Product Department
Responsibilities:
  • To coordinate with the overall development strategy of the business and monitor its development continuously in order to optimize profit and product portfolio
  • To plan and launch different product strategies according to the requirements of different customers among segments ; formulate product forecast and estimate budget; and establish and maintain revenue models and pricing strategies for related businesses
  • To manage and optimize the service level of unsecured lending; introduce or study the feasibilities on developing new products and optimize existing products
  • To monitor and manage overall product combination and periodical replacement by planning and distributing resources effectively
  • To ensure the products of Unsecured Lending complied with legal and regulatory requirements and the anticipated risks
  • To coordinate trainings related to unsecured lending to relevant units in order to improve the efficiency for the sales and processes of products
  • To cooperate with Segment unit, Channel unit and other supporting units effectively in order to obtain outstanding business performance
Requirements:
  • Degree holder or above
  • Familiar with the lending business (including unsecured loans or credit card business)
  • At least 10 years of relevant working experience (e.g. business management / product management / marketing / credit / risk management / segment management or customer management), including at least 5 years working experience in financial institutions and at least 5 years' management experience
  • Familiar with the local regulatory requirements, market knowledge and trends (worked in or involved in related areas will be an advantage), good knowledge in the characteristics of the banking products and the main products in the market
  • Good leadership, management, organization, planning and decision-making abilit y
  • Good communication skills and presentation skills, and writing skills with proficiency in both English and Chinese. Fluency in Putonghua is an advantage


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