Business Development Manager (Card Portfolio)

Bank of China (Hong Kong); Hong Kong; On-site; HKD 480,000 - 680,000; Full time

Benefits offered by this job

Medical insurance

Life insurance

Allowance programs

Job summary

Bank of China (Hong Kong) is seeking a senior card lending product lead to drive growth across the credit card loan portfolio. You will shape product strategies, segment customers, and optimize pricing while working with marketing and channels to increase market share.

The role requires strong digital instincts, leadership, and bilingual proficiency in English and Chinese. You will collaborate with analytics teams to derive insights and ensure compliant, high-integrity operations.

Qualifications

• Minimum degree or above.
• 5+ years’ banking/finance experience preferred (credit card/loan on card/unsecured lending).
• Digital mindset with ownership and attention to detail.
• Strong marketing and interpersonal skills.
• Fluent in English and Chinese; bilingual writing and speaking.
• Proficiency with English/Chinese word processing tools.

Responsibilities

• Formulate and execute credit card loan portfolio growth strategies to meet KPIs and targets.
• Develop and implement product strategies for card loan features and pricing.
• Collaborate with channels to improve campaign effectiveness and profitability.
• Engage stakeholders to ensure smooth campaigns and accurate operations.
• Drive digital initiatives to optimize journeys and onboarding and incentivize digital sales.
• Collaborate with data analytics to define segments and leverage insights for product development.
• Monitor market trends and competitors to identify opportunities.
• Ensure compliance with regulations and internal standards with integrity.

Skills

Digital mindset

Ownership

Attention to detail

Marketing skills

Interpersonal skills

Bilingual English/Chinese

Education

Degree holder or above

Tools

Word processing tools

Job description

Responsibilities

• Formulate and execute credit card loan portfolio growth strategies to achieve KPIs and business targets.
• Develop and implement product strategies for card loan features including marketing programs, customer segmentation, personalized pricing and new initiatives for card lending products.
• Work closely with different channels to enhance campaign effectiveness and productivity, maximizing business profitability and market shares.
• Engage internal & external stakeholders to ensure smooth campaigns implementation, channel effectiveness, operational accuracy, and enhance customer experience.
• Drive digital initiatives to improve customer targeting, optimize end-to-end digital journeys and onboarding, and design e-Channel specific incentive programs to increase digital sales contribution and customer satisfaction.
• Collaborate with data analytic team to define target segments, conduct portfolio analysis and leverage data insights for card loan product development.
• Keep abreast of market trends and competitor activities to identify opportunities and increase market competitiveness.
• Comply with all applicable regulations, rules, codes, guidelines and standards set by regulators and the Bank, and carry out duties with high integrity.

Requirements

• Degree holder or above;
• More than 5 years’ experience in Banking / Finance is preferred (ideally in credit card, loan on card / unsecured lending);
• Digital mindset, great sense of ownership and attentive to details;
• Self-motivated, strong marketing and interpersonal skills;
• Good command of both written and spoken English and Chinese;
• Good at using English / Chinese Word Processing tools

We offer competitive remuneration package and comprehensive fringe benefits including medical and life insurance, and different types of allowances to the right candidates.

Data collected would be used for recruitment purposes only. Applicants who do not hear from us within 8 weeks may consider their application unsuccessful and their data will be destroyed within 12 months of receipt._CW1