HK - GCB - Vice President - Personal Loans Product

Full Time
Lead (more than 10 years)

Job Description

HK - GCB - Vice President - Personal Loans Product

Location: APAC-HKG-Hong Kong-Hong Kong

  • Responsible for meeting the Personal Installment Loan P&L
  • Formulate strategy and execute action items to meet the business revenue and profitability plans
  • Product Management
  • 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
  • Channel Management
  • Identify and partner with different channels (Credit Sales, Telesales, Direct Sales, Branch, Remote and Marketing) to drive cross-sell to existing card/bank customer 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 10 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

Technical Skills

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