Job Overview

We are seeking an experienced Margin Loan Product Manager/Senior Manager to design, develop, and promote margin loan products on our digital banking platform in Hong Kong. This role will lead the end-to-end product life-cycle management, including market research, product design, risk management, compliance review, and customer experience optimization, ensuring the product stands out in a competitive market and meets customer needs.

Key Responsibilities

Product Development and Optimization

• Lead the design, development, and optimization of margin loan products to ensure they meet market demands and customer expectations.
• Analyze competitor products and market trends to formulate differentiation strategies.
• Collaborate with technology and data teams to drive product digitization and automation processes.

Risk Management and Compliance

• Develop and implement a risk management framework for margin loan products, including collateral management, loan limit control, and risk pricing.
• Ensure compliance with Hong Kong Monetary Authority (HKMA) and other regulatory requirements.
• Regularly review product risk profiles and propose improvement measures.

Market Promotion and Customer Experience

• Develop product promotion strategies and collaborate with the marketing team to enhance product visibility and market share.
• Optimize the customer application process to improve user experience and ensure efficient, seamless digital services.
• Collect customer feedback and continuously refine product features and services.

Cross-functional Collaboration

• Work closely with risk, compliance, technology, operations, and customer service teams to ensure smooth product launch and operation.
• Collaborate with the sales team to provide product training and support, ensuring the team fully understands product features and advantages.

Data Analysis and Reporting

• Monitor product performance, analyze key metrics (e.g., loan volume, customer growth, default rates), and report regularly to management.
• Provide data-driven insights to propose

Requirements

Education and Experience

• Bachelor’s degree or higher in finance, economics, business administration, or a related field.
• Minimum 5 years of relevant experience in retail banking, digital banking, or fintech, with prior experience in margin loan or credit product management preferred.

Professional Knowledge and Skills

• Familiarity with Hong Kong’s financial market and regulatory environment, with a solid understanding of margin loan product mechanics and risk management requirements.
• Strong data analysis skills, with the ability to drive decision-making through data.
• Experience with digital banking platforms and tools, with prior experience in digital product development being a plus.

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