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HK - GCB - Assistant Vice President, Personal Loans

Senior (6-10 years)


Technical Skills

  • Analytics
  • Customer Service
  • Marketing
  • P&L
  • Portfolio Analysis
  • Portfolio Management
  • Product Development
  • Project Management
  • Sales
  • Settlements
  • Statistics
  • Underwriting

Job Description

HK - GCB - Assistant Vice President, Personal Loans

Location: APAC-HKG-Hong Kong-Hong Kong

  • Responsible for meeting the Personal Installment Loan P&L;
  • Assist in formulating strategy and execute action items to meet the business revenue and profitability plans;
  • Good product and project management skills;
  • Formulate  the value proposition and product development for Personal Installment Loan product within policy and regulatory guidelines;
  • Conduct portfolio analysis and product/pricing test to drive portfolio yield and volume growth;
  • Monitor portfolio credit performance and liaise with Risk and Credit Initiation to review the credit policy and underwriting process;
  • Formulate gating and anti-attrition strategy to minimize early settlement and customer attrition;
  • Identify and partner with different channels (Credit Sales, Telesales, Direct Sales, Branch, Remote and Marketing) to drive cross-sell to existing card/bank customers and acquire new to bank customers for loans;
  • Design and launch customer marketing and sales incentive programs to support the sales channels and to ensure programs fulfillment;
  • Partner with Decision Management to achieve effective portfolio management, performance tracking and leads optimization;
  • Liaise with sales channels and internal partners to review and improve overall efficiency of the sales and operating processes;
  • Project management;
  • Support the launch of digital initiatives (e.g. RCE, loan mobile application) and post launch maintenance;
  • Analytic and reporting;
  • Monitor channel performance/marketing program effectiveness and take appropriate actions to improve the overall result and customer experience;
  • Coordination with different parties for timely report update to Management and Region.


  • University degree holder in a quantitative field (e.g. Finance, Statistics or Business Administration) or related discipline;
  • At least 7 years working experience in retail banking or financial services industry with knowledge of Cards and Unsecured Lending is a must;
  • Strong attention to detail and accuracy;
  • Organized and possess excellent quantitative, analytical and communication skills;
  • Good interpersonal skills and ability to work with all levels is required.


Employment TypeFull-time
Career LevelSenior (6-10 years)
Education LevelBachelor
CitibankFinancial Services, Retail and Commercial Banking

50/F, Champion Tower 3 Garden Road Central, Hong Kong

directions_walk12 mins walk from Admiralty Station