SVP, Head of Personal Loan Products
China Construction Bank
Hong Kong

Main Responsibilities

  • Ensure the team is in compliance with the regulatory requirements as well as the internal compliance policies and guidelines including but not limited to anti-money laundering and counter-financing of terrorism.
  • Ensure product to be fully complied with regulatory as well as bank wide compliance & AML requirement
  • Lead the loan team to formulate strategies and plan to deliver the financial KPI including drawdown, loan outstanding, revenue and achieve the business target
  • Initiate new / enhanced products / process fitting the business and market needs based on customer analytics, COF and bank wide risk appetite in order to acquire new business, retain & grow AR, reduce operation cost as well as enhance product profitability
  • Formulate business and marketing direction for related departments to execute and implement appropriate marketing programs
  • Work with credit, sales channels and operation to facilitate appropriate credit policy, sales target, incentive plan and process flow in order to maximize productivity, profitability and efficiency
  • Robustly monitor and analyse program results and recommend improvement
  • Be the driver to develop and enhance the alternative channels i.e. online and mobile applications
  • Actively work with project team & related departments to support and deliver the New Generation projects related to personal unsecured loans
  • Requirements

  • University degree with minimum 8-10 years business experience, preferably in personal lending / loan / consumer banking areas with digitalization exposure
  • Aggressive, result-oriented, good management and communication skills
  • Strong analytical skills
  • Sensitive to market with strong business acumen
  • Strong marketing execution skills from research, communication to promotion and good project management skills
  • Fluent spoken and written Chinese and English Applicants who are not contacted within 8 weeks may consider their applications unsuccessful and their personal data will be retained by the bank for a period up to two years.
  • All information provided by applicants will be used for recruitment purposes only and will be used strictly in accordance with the bank’s personal data policies, a copy of which will be provided upon request.


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