Section Head, Lending Planning and Portfolio Management – Retail Lending

The Bank of East Asia (BEA); Hong Kong; On-site; HKD 1,300,000 - 1,700,000; Full time

Job summary

The Bank of East Asia (BEA) is seeking an senior professional to assist the Department Head in steering Retail Lending objectives and P&L performance. You will shape the strategic roadmap across Credit Cards and Lending lines, and drive data-led initiatives to grow profitability and market share.

With 15+ years in credit cards, consumer lending and retail banking, you will lead a high-performing team, oversee portfolio metrics, and collaborate with Risk, Finance, Operations and Analytics to

Qualifications

• University graduate in Business Administration, Finance, Economics, Marketing or related disciplines.
• 15+ years of experience in Credit Cards, Consumer Lending, Portfolio Management or Retail Banking with product management and business strategy exposure.
• Proven track record in managing P&L, portfolio growth, customer lifecycle management and profitability optimization.
• Strong financial acumen with budgeting, forecasting, business planning and financial performance management.
• Demonstrated leadership with experience managing sizeable teams and cross-functional initiatives.
• Strong understanding of consumer banking products, credit risk dynamics, regulatory requirements and market trends.
• Strategic thinker with excellent commercial judgment and the ability to translate strategy into execution.
• Excellent analytical, stakeholder management, influencing and presentation skills.
• HKIB qualification is an advantage.
• Strong communication skills in English and Chinese; Cantonese is a must; Putonghua proficiency is an advantage.

Responsibilities

• Assist Department Head in managing Retail Lending P&L and drive growth across multiple retail lending lines.
• Develop and execute the strategic roadmap for Credit Cards, Secured and Unsecured Lending to achieve profitability and market share growth.
• Foster data-led analytics to identify opportunities and improve top- and bottom-line performance.
• Invest in system development for revenue growth initiatives and enhance unsecured lending propositions.
• Monitor market trends, customer behaviours, and regulatory developments to identify opportunities and risks.
• Lead, coach and develop a high-performing card product team and oversee strategic planning.
• Drive portfolio growth through customer segmentation, campaigns, cross-selling and data-driven decisions.
• Monitor key portfolio metrics such as balances, spend, loan growth, delinquency, revenue yield and customer lifetime value.
• Collaborate with Risk, Finance, Operations, Compliance and Analytics to optimize portfolio performance and returns.
• Ensure governance and risk management practices are maintained and compliant.

Skills

P&L management

Business strategy

Data analytics

Stakeholder management

Cross-functional leadership

Portfolio management

Credit card experience

Regulatory awareness

English & Chinese communication

Education

University degree in Business/Finance/Economics/Marketing or related

Job description

Assist Department Head in managing Retail Lending business objectives and P&L, mainly to drive growth trajectory for multiple retail lending business lines.

Business Strategy & Product Management

• Develop and execute the strategic roadmap for Credit Cards, Secured Lending and Unsecured Lending businesses to achieve sustainable profitability and achieve market share growth.
• Create and strengthen data-led analytics skills to identify opportunities and improvement to grow both top and bottom line of the Retail Lending businesses
• Focus new investment in system development on revenue growth initiatives and capabilities of the business, and design enhanced needed for unsecured lending product proposition, customer value propositions (credit card and personal loan) to strengthen customer acquisition, engagement and retention.
• Evaluate and monitor business pipelines in expanding strategic relationships with payment schemes, merchants, fintech partners, external vendors and other key stakeholders.
• Monitor market trends, customer behaviours, competitive landscape and regulatory developments to identify emerging opportunities and risks.
• Manage card product team and retail lending strategic planning responsibility directly to deliver the business objectives
• Drive portfolio growth strategies through customer segmentation, campaign optimization, cross-selling and data-driven decision making.
• Continuously monitor key portfolio metrics including balances, spend volume, revolving balances, loan growth, delinquency trends, credit costs, revenue yield and customer lifetime value.
• Develop and implement strategies to maximize portfolio profitability while maintaining prudent risk management standards.
• Partner closely with Risk Management, Finance, Operations, Compliance and Analytics teams to optimize portfolio performance and returns.

Financial Management & Strategic Planning

• Manage and lead departmental financial performance, budgeting, forecasting and business planning, including the quality outputs in annual budgets, financial forecasts, business cases and strategic investment proposals.
• Conduct regular reviews of revenue drivers, cost structures, return on investment and overall business performance, recommending initiatives to improve operational efficiency and profitability.
• Drive strategic planning initiatives and support the development of long-term business strategies for the department.
• Collaborate across business units to identify opportunities for cross-selling development.

Leadership & Talent Development

• Lead, coach and develop a high-performing team capable of delivering business objectives and driving innovation.
• Foster a culture of accountability, commercial excellence and continuous improvement.
• Support succession planning and develop future leadership capabilities within the department.
• Act as a trusted deputy to the Department Head and take on broader strategic and management responsibilities as required.

Governance & Risk Management

• Ensure full compliance with applicable regulatory requirements, internal policies and governance standards.
• Promote sound risk management practices while balancing business growth objectives.
• Carry out duties with the highest level of professionalism, integrity and accountability.

Requirements

• University graduate in Business Administration, Finance, Economics, Marketing or related disciplines.
• Minimum 15 years of experience in Credit Cards, Consumer Lending, Portfolio Management or Retail Banking, with significant exposure to product management and business strategy.
• Proven track record in managing P&L, portfolio growth, customer lifecycle management and profitability optimization.
• Strong financial acumen with experience in budgeting, forecasting, business planning and financial performance management.
• Demonstrated leadership capability with experience managing sizeable teams and leading cross-functional initiatives.
• Strong understanding of consumer banking products, credit risk dynamics, regulatory requirements and market trends.
• Strategic thinker with excellent commercial judgment and the ability to translate strategy into execution.
• Excellent analytical, stakeholder management, influencing and presentation skills.
• HKIB qualification is an advantage.
• Strong communication skills in English and Chinese; Cantonese is a must. Putonghua proficiency is an advantage.

Personal data provided by job applicants will be used for recruitment purposes only and will be treated in accordance with the Bank's Personal Data Policy, which is available upon request. Applicants who are not invited for interviews within six weeks may consider their applications unsuccessful and the personal data collected will be destroyed after 1 year.