Product (Senior) Manager - SME Product

Job Responsibilities:

• Overall accountable for SME product design, development, and implementation, including both loan and deposit products; responsible for defining product features, end-to-end process flows, and control points based on discussions with stakeholders such as Credit, Sales & Distribution, Operations, Legal, FCC, and Compliance
• Formulate Business Requirement Documents for system-related product initiatives, covering customer journey, back-office operations, regulatory reporting, and risk control mechanisms
• Prepare MIS reports for business performance tracking and executive reporting
• Develop and monitor implementation timelines with clear milestones, coordinating with relevant teams and reporting progress
• Draft, review, and consolidate legal and customer-facing documents such as terms and conditions, application forms, key facts statements, and loan proposals
• Conduct post-implementation product reviews and periodic evaluations, reporting product performance, risks, and issues to management
• Provide support on BAU tasks such as internal/external audits, RCSA, and regulatory checks 

Target Candidates:

• University graduate in Business, Banking, Finance, or a related discipline
• Minimum 5+ years of experience in SME product management within the banking industry
• Solid knowledge of loan and collateral management lifecycle, including origination, limit and collateral handling, disbursement, and accounting treatment
• Familiarity with deposit products and related operational processes is required
• Strong understanding of Hong Kong banking regulations, especially in areas of electronic banking, risk control, and data security
• Excellent communication, organizational, and project management skill
• Proficiency in both written and spoken English and Chinese (including Putonghua)