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Hang Seng Bank Limited

Head of Unsecured Lending and Payments - Hang Seng Bank (HK)

Hang Seng Bank Limited Hong Kong
Posted 2 days ago Hybrid Permanent Competitive
Job description
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.

We are currently seeking a high caliber professional to join our department as Head of Unsecured Lending and Payments.

Principal responsibilities
  • Reporting to Head of Wealth and Personal Banking (WPB) of Hang Seng Bank Hong Kong, the job holder is responsible for delivering our unsecured lending objectives through defining, future proofing, enabling and driving our payment strategy and proposition for WPB.
  • Lead HASE WPB card and payment strategy to build customer preference and deliver profitable volume growth, deliver market-leading customer journeys and ensure future innovation opportunities are captured. Future proof our payment solutions by embracing relevant fintech innovations and capabilities.
  • Drive transformational delivery, commercial performance, strategic roadmap changes, related risk-and-controls and value stream business outcomes for domestic and international payments.
  • Drive card lending and personal loan business strategies and new initiatives to meet card base / penetration, card spending, loan-on-card, cash advance and revolver balance and personal loan business targets and deliver sustainable profitability.
  • Execute improved customer journeys, proposition innovation, pricing capabilities, pricing optimisation and P&L management.
  • Lead the team to understand HASE WPB values, vision and business focus, and drive business transformation and growth.
  • Work with other WPB teams to step-up fraud control and customer communications. Ensure robust risk assessment, escalation, governance and compliance aligned with regulatory and internal policies.
  • Lead the team to develop cost saving measures and increase business productivity.
  • The role holder is also responsible for Merchant Acquiring.
Requirements
  • Over 15 years of relevant management experience in managing scaled unsecured lending, cards, payments and merchant acquiring businesses within retail banking.
  • Experience of product management, organizational leadership, and commercial management of a scaled retail business.
  • Strong technical knowledge of retail banking products and market/industry review for strategy formulation.
  • Demonstrate change leadership and strategic focus with strong Growth Mindset and passion to champion change and promote innovation.
  • Strong customer centricity focuses to deliver market-leading products, services, digitalisation and experience to targeted customers.
  • Highly effective navigation within a matrix environment, advanced governance standard and fast-changing regulatory context with agile ways of working and strong engagement with different levels of internal and external stakeholders.
  • Strong track record in orchestrating and leading strategy development, business planning and implementations across multiple business and functional stakeholders to successful completion.
    Seasoned people leadership to engage, motivate and develop a diverse team; drive strong performance culture with clear aligned direction; build talent pipeline and business bench strength.
    Strong outcomes focus with adaptability, sound judgement and business insights in decision making, and accountability in delivery.
    University degree in Investment, Business Administration, Banking and Finance or related disciplines.
    Proficiency in both spoken and written English and Chinese (including Mandarin).
If you would like to explore other opportunities at Hang Seng Hong Kong, please visit www.hangseng.com/careers/ for details.
#LI-HASE

Job ID  0000JVUT
ABOUT COMPANY
Hong Kong
Retail Banking
Hang Seng is dedicated to providing excellent service. Our team members play a vital role in delivering top-notch products and services to our custome...
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