Personal Lending Business Team Lead

Resonsibilities

1.Strategy Development & Execution

Develop and execute growth strategies for personal lending products (unsecured installment loans, card-based cash advances/loans).

Identify key growth drivers (e.g., customer acquisition, product innovation, channel optimization, pricing) and implement targeted business plans.

Own core KPIs: Drive performance on loan interest income, installment loan disbursement volume, interest-bearing loan balance, and total loan portfolio balance.

2.Product Strategy & Marketing Leadership

Lead end-to-end product strategies for lending products (e.g., feature enhancements, lifecycle management).

Design customer segmentation models and personalized pricing strategies to maximize profitability.

Develop innovative loan solutions and go-to-market campaigns for niche segments.

3.Digital Transformation & Customer Experience

Champion digital initiatives: Optimize digital loan application journeys, enhance e-channel onboarding, and deploy digital-exclusive incentive programs.

Increase digital channel contribution to overall loan business volume.

Ensure seamless end-to-end customer experiences.

4.Data-Driven Decision Making

Collaborate with analytics teams to define high-potential customer segments and conduct portfolio analysis (risk, revenue, behavior).

Leverage big data for precision marketing, risk-based pricing, and product design.

5.Multi-Channel Sales Management

Coordinate sales channels (branches, inbound/outbound call centers, digital platforms) to align strategies with business goals.

Monitor channel performance (conversion rates, efficiency) and optimize resource allocation.

6.Market Intelligence & Competition

Track market trends, regulatory changes, and competitor activities (product launches, pricing, promotions).

Identify opportunities/threats and formulate countermeasures to enhance market share.

7.Cross-Functional Collaboration

Partner with stakeholders (Risk, Operations, Compliance, Finance, IT, Marketing) to ensure timely delivery of integrated programs.

Qualifications

Bachelor’s degree or higher.

5+ years in banking/finance, with experience in unsecured lending/personal loans.

Proven team leadership skills with a results-driven mindset.

Experience in building teams or managing high-growth portfolios.

Digital-first mindset and passion for data-driven optimization.

Local market knowledge and client network in the region.

Strong ownership, attention to detail, and self-motivation.

Familiarity with regulatory frameworks for consumer lending.

Excellent command of English and Chinese (written/spoken).

Proficiency in MS Office/Chinese word processing tools.

Agile project management capabilities.