Manager, Retail Credit Product (SME)

• Conduct market research and competitive analysis to identify gaps and opportunities in the SME credit market.
• Formulate short-long term product strategies to meet the financing needs of SMEs.
• Design and develop SME credit products, including trade finance, working capital loans and SFGS, ensuring alignment with the bank’s strategic goals and risk appetite.
• Work closely with internal departments in order to comply with the legal and compliance issues for new product launch.
• Work closely with relationship managers to refine product features, pricing and application workflow.
• Drive digitization and automation of credit approval process to enhance customer experience.
• Support the team lead in preparing analysis reports and developing policies.
• Conduct product training, sales tools and various kinds of support to relationship manager.
• Knowledge of personal loan and retail credit products is advantage.
• Degree holder or equivalent qualifications at HKQF level 5 or above.
• Minimum 5 years’ of experience in retail/ commercial banking industry, with at least 3 years in SME credit product experience.
• Strong team player with outstanding analytical, communication and time management skills.

Candidate with more experience will be considered as Senior Manager.