Assistant Vice President, Product Development (Retail Loans & Deposits)

Responsibilities:

• Develop new retail loans and deposit products according to Bank's business direction and market demand from time to time.
• Review and enhance the end-to-end process of retail loans and deposit products to meet efficiency, compliance and risk control requirements
• Day-to-day communication of product matters with frontline business units, supporting operation units and internal control departments.
• Develop appropriate strategy, promotion and tools to achieve retail loans and deposits budget targets.
• Cross-department or cross-functional collaborations to achieve such established targets as digital penetration, sustainability banking adoption and product cross-selling ratios.
• Prepare regular and ad-hoc products and business performance updates for top management's review.
• Handle ad hoc tasks in the department when need

Requirements:

• Degree holder with at least 8 years of solid experience in Retail / Corporate Banking business, preferably with exposure on mortgage or other retail loan products.
• Proven experience in product development and project management.
• Customer-centric mindset with acute insight into customer financial behaviours and market changes.
• Strong data literacy, capable of interpreting business KPIs, identifying gaps and delivering actionable improvement plans.
• Proven ability to drive cross-functional alignment, resolve business bottlenecks and deliver measurable business results.
• Excellent knowledge in digital marketing.
• Commercially focused, with up-to-date knowledge of market trends and consumer needs, ability to balance risks and rewards, maximize cost effectiveness and profitability for the business.
• Self-motivated, creative and analytical mind.
• Excellent collaboration skills and ability to lead and influence.
• 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 including Mandarin.