Manager, Retail Deposit & Card Business (Deposit Focus)

Responsibilities:

• Manage and enhance digital-first retail deposit and card productions, ensuring alignment with customer needs and digital banking trends. Lead collaboration with product, tech, marketing, and operations teams to deliver end-to-end solutions. This includes defining requirements, creating user stories, and ensuring successful system testing and issue resolution.
• Design and implement competitive and data-driven deposit rate pricing strategies, balancing market competitiveness, funding costs, customer segmentation, and regulatory requirements (e.g., CoBP, DPS).
• Work closely with Treasury and Finance teams on interest rate and liquidity risk positioning according to the market conditions. Monitor competitor pricing trends and macroeconomic indicators to adjust rates dynamically.
• Conduct scenario analysis and sensitivity testing to optimize deposit pricing models for liquidity management and margin enhancement.
• Monitor OKRs (deposit volume, NIM, card transaction growth, active users, etc) and refine tactics to achieve market penetration goals.
• Prepare regular and ad-hoc products and business performance updates for top management's review.

Requirements:

• Degree holder with 5 years of solid experience in Retail Banking business at the well-known bank in Hong Kong, preferably with exposure on Deposits or Fee Income products.
• Commercially focused, with up-to-date knowledge of market trends and consumer needs.
• Self-motivated, creative and analytical mind with good communication and interpersonal skills.
• Effective time-management skills, ready to perform multi-tasks.
• Risk-awareness with basic knowledge of Code of Banking Practice.
• Good command of written and spoken commercial English and Chinese (Flunency in Mandarin is required).