• Leading unsecured loans product development
• Sound knowledge in overall product and marketing management
• Experience in approval, credit review/monitoring and remedial management

• Formulate robust business plans and strategies and steer respective development and implementation to drive loan balances, revenue and market share growth.
• Devise insight-led acquisition and retention strategies and oversee program execution for
  
  acquiring new , and retaining existing lending relationship of strategic segments throughout customer lifecycle;
• Formulate pricing strategies with reference to market situation and competitive landscape while managing portfolio profitability on unsecured loan products to maximize risk adjusted returns;
• Steer channel optimization for acquisition and development of new / enhanced products / features, digital capabilities and journey design for growing lending business and uplifting customer experience and conversion.
  
  
• Collaborate with risk management team to maintain a healthy portfolio such as review of underwriting criteria and directing the development of effective credit control measures.
  Assist in reviewing risk framework, credit policy and risk model.
• Oversee streamlining of end-to-end lending business origination process to enhance operation efficiency.
  Work closely with operation units to manage robust capacity planning and operational risks including the identification, assessment, mitigation and controls escalation, and reporting on those risks;
• Determine market positioning and guiding marketing strategies to create brand awareness and preferences.
  Drive effective hyper-personalized communication/messaging via test and learn to enhance marketing effectiveness and groom customer engagement

• Degree holder in Business Administration or related disciplines.
• Minimum 10 years of experience in product development of Personal Loans in banks or finance institution and at least 3-4 years in managerial level.
• Excellent market knowledge in loans business trend and product operations required.
• Familiar with the credit policy and remedial management of unsecured lending products.
• Understanding of current unsecured lending market trends such as O2O personal loans, instant approval, BNPL, etc.
• Sound communication skills, good digital project management, and strong leadership.
• Proficient in written and spoken English and Chinese.

If you're interested in this role, click 'apply now' to forward an up-to-date copy of your CV, or call us now.

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