Product Lead, SME & Retail Credit

Bank of Communications Co.,Ltd.; Hong Kong; On-site; HKD 600,000 - 900,000; Full time

Job summary

Bank of Communications Co., Ltd. Hong Kong Branch is seeking a seasoned professional to lead SME credit product development and market analysis.

You will formulate strategies, design trade finance and working capital solutions, and collaborate to ensure compliant, market-leading offerings. The role emphasizes digitization of the credit approval process, close work with relationship managers, and strong analytical and cross-functional collaboration skills.

Qualifications

• Minimum 5 years’ of experience in retail/commercial banking, with at least 3 years in SME credit product experience.
• Degree holder or equivalent qualifications at HKQF level 5 or above.
• Knowledge of personal loan and retail credit products is advantageous.

Responsibilities

• Conduct market research and competitive analysis to identify gaps and opportunities in the SME credit market.
• Formulate short-long term product strategies to meet the financing needs of SMEs.
• Design and develop SME credit products, including trade finance, working capital loans and related facilities, aligning with risk appetite.

Skills

SME credit products

Retail banking

Financial analysis

English

Cantonese

Putonghua

Education

Bachelor's degree or HKQF level 5+

Job description

Bank of Communications Co., Ltd. Hong Kong Branch is seeking a seasoned professional to lead SME credit product development and market analysis.

You will formulate strategies, design trade finance and working capital solutions, and collaborate to ensure compliant, market-leading offerings. The role emphasizes digitization of the credit approval process, close work with relationship managers, and strong analytical and cross-functional collaboration skills.