Private Banking Portfolio Lending Product Manager, Private Banking

Industrial Bank Co., Ltd.; Hong Kong; In loco; HKD 900.000 - 1.300.000; Tempo pieno

Descrizione del lavoro

Industrial Bank Co., Ltd. Hong Kong Branch is expanding its private banking portfolio lending team.

The role focuses on designing and launching collateralised financing products backed by equities, bonds, funds, ETFs, structured notes and time deposits, and managing their ongoing operation. You will assess eligibility criteria, ensure compliance with HKMA/SFC rules, and optimize loan approval workflows, pricing and collateral parameters.

Competenze

• 3+ years in private banking wealth financing or portfolio lending.
• Experience with Lombard lending and asset-backed financing is preferred.
• Strong communication and coordination skills.

Mansioni

• Lead design, iteration, launch and operation of private banking portfolio lending products.
• Assess collateral eligibility and regulatory compliance for new products.
• Monitor operational metrics and optimize workflows and pricing.
• Identify financing needs of HNWI and develop differentiated propositions.
• Provide training and advisory support to front-line teams and collaborate with Risk and Credit Underwriting.

Conoscenze

Private banking

Portfolio lending

Risk management

Regulatory compliance

Leadership

Formazione

Finance degree

Strumenti

HKMA/SFC guidelines

Descrizione del lavoro

- Lead the design, iteration, launch and ongoing operation of private banking portfolio lending products (collateralised financing e.g. equities, bonds, funds, structured notes and time deposits).

- Manage eligibility criteria for acceptable collateral. Assess the compliance viability of new products and rules in line with concentration limits, leverage caps, client risk rating and AML requirements, so as to mitigate compliance and market risks.

- Monitor key operational metrics of the product, including loan disbursement volume, collateral utilization ratio and non-performing ratio. Optimize approval workflows, pricing frameworks and eligibility criteria to address operational pain points and improve the efficiency.

- Identify financing needs of high-net-worth clients and develop differentiated portfolio lending propositions aligned with prevailing investment market trends.

- Deliver product training and advisory support to front-line teams. Develop bespoke portfolio financing solutions for HNWI scenarios including asset allocation, liquidity management and leveraged investing, to drive AUM expansion and loan book growth.

- Collaborate with Risk, Credit Underwriting, Technology and other functions to support system development, enhancement and process re-engineering for portfolio lending business.

Job Requirements

- Bachelor’s degree or above; majors in Finance, Economics, Accounting, Wealth Management or related disciplines are preferred.

- Minimum 3 years of relevant experience in private banking wealth financing, portfolio lending or credit product management; proven end-to-end knowledge of Hong Kong Lombard lending and asset-backed financing.

- In-depth knowledge of portfolio lending product terms and HKMA / SFC regulatory requirements; sound understanding of risk parameters for eligible collateral such as equities, bonds, funds, ETFs and structured notes.

- Possess strong communication and coordination skills, team management skills, as well as analytical and planning capabilities.

- Strong self-motivation, ability to work independently, and a high sense of compliance.

- Excellent communication, expression and presentation skills in Mandarin, English and Cantonese.

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Established in August 1988 and headquartered in Fuzhou city in Fujian Province, Industrial Bank was the first among all banks in Mainland China to receive a financial license allowing our Financial Markets team to actively participate in the financial market businesses. The Hong Kong Branch adopts its overall strategies, goals and business philosophy of “Dedicated Service, Together We Grow”, equips itself with professional teams and advanced management systems, and generates synergies from a diverse portfolio of businesses. With Hong Kong as the core hub, we would gradually develop our international financial businesses and strive to utilize our advantages in the offshore financial market.

To expand our business in Hong Kong, we are now inviting high caliber candidates to apply for the following position.

Established in August 1988 and headquartered in Fuzhou city in Fujian Province, Industrial Bank was the first among all banks in Mainland China to receive a financial license allowing our Financial Markets team to actively participate in the financial market businesses. The Hong Kong Branch adopts its overall strategies, goals and business philosophy of “Dedicated Service, Together We Grow”, equips itself with professional teams and advanced management systems, and generates synergies from a diverse portfolio of businesses. With Hong Kong as the core hub, we would gradually develop our international financial businesses and strive to utilize our advantages in the offshore financial market.

To expand our business in Hong Kong, we are now inviting high caliber candidates to apply for the following position.

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