Assistant Manager, Unsecured Personal Loan Product Management

The Product Manager for Personal Loan (PL) is responsible for the end-to-end management, development, and growth of the Personal Loan and Personal Financing-i portfolio. This role involves driving business performance through the execution of quarterly marketing campaigns, implementing credit and digital initiatives, and ensuring strict adherence to regulatory compliance and internal controls. The jobholder acts as a key stakeholder in enhancing product features and journeys to improve customer acquisition and profitability.

Functional (job responsibilities)

• Propose and lead the execution of campaigns to drive personal loan disbursements and grow loan base and almost monitor campaign expenses tracking
• Identify key business growth areas and continuous process improvements
• Lead partnerships with external fintech partners to increase product acquisition
• Analyze product performance data, customer behavior, and market trends to identify emerging business opportunities.
• Maintain awareness and understanding of the regulatory framework within which the Bank operates, ensuring compliance with relevant regulatory requirements and expectations
• Overseeing the implementation of regulatory change including internal and external legal and compliance issues
• Collaborate with internal and external stakeholders to drive product and process improvements and enhancements

• Collaborate cross-functionally with Credit Policy, Analytics, PFS Digital, and Sales channels (Telemarketing, Branches, Direct Sales) to deliver business goals.
• Lead the implementation of campaigns and multiple business initiatives for personal loan. Oversee and manage launch schedule of campaigns, new products and other projects.
• Lead, coordinate and monitor compliance and operational risk assessment with stakeholders
• Support sales channels by developing tactical programs, sales challenges or other activities to boost sales productivity and branch performance.

• Ensure all product materials and processes align with BNM regulations and internal policies
• Embody "HLB Values" by participating in CSR activities and ensuring ethical conduct in all business activities

Undergraduate degree in Accounting, Banking, Finance, Economics, or a related field

Experience

• Minimum 3 years of relevant experience in financial services, specifically within product management or portfolio management.
• Proven track record in managing financial products, including experience with credit policies and digital acquisition channels.

• Proficiency in performance tracking and data analysis; familiarity with SAS and Data Studio is an advantage.
• Understanding of BNM guidelines and regulations relevant to the product
• Ability to propose and operationalize new business drivers
• Strong interpersonal and stakeholder management skills to work across different levels of the organization.

We are a leading financial institution in Malaysia backed by a century of entrepreneurial heritage. Providing comprehensive financial services guided by a Digital-at-the-Core ethos has earned us industry recognition and accolades for our innovative approach in making banking simpler and more effortless for our customers. Our digital and physical offerings span across a vast nationwide network in Malaysia, strengthened with an expanding regional presence in Singapore, Hong Kong, Vietnam, Cambodia, and China.

We seek to strike a balance between diversity, inclusion and merit to achieve our mission of infusing diversity in thinking and skillsets into our organisation. Candidates are assessed based on merit and potential, in line with our mission to attract and recruit the best talent available. Expanding on our “Digital at the Core” ethos, we are progressively digitising the employee journey and experience to provide a strong foundation for our people to drive life-long learning, achieve their career aspirations and grow talent from within our organisation.

Realise your full potential at Hong Leong Bank by applying now.