Senior Officer, Secured Lending Products

China CITIC Bank International Limited; Hong Kong; On-site; HKD 300,000 - 480,000; Full time

Job summary

China CITIC Bank International is seeking a Senior Officer to support the secured lending products and manage deposit and payment portfolios in Hong Kong. You will analyze KPIs, develop strategic plans, and collaborate with internal teams and external partners to drive performance and service quality.

The role requires a degree in business/finance/marketing and at least 1 year of product development experience in banking, with strong product, market, and regulatory awareness.

Qualifications

• Degree or equivalent in Business Administration, Finance, Marketing or related disciplines.
• Minimum of 1 year experience in product development/management for deposit products in banking.
• Sound retail product knowledge (e.g., CASA, TD) and payment vehicles (FPS, QR code, cross-border).
• Market awareness and ability to provide practical recommendations.
• Knowledge of CNCBI deposit products and pricing to ensure competitiveness.
• Compliance with AML/CTF controls and CNCBI policies.

Responsibilities

• Assist in proactive deposit portfolio management and payment business.
• Support development of short and long-term strategic plans to enhance deposit products and services.
• Analyze financial performance KPIs on deposit and payment businesses.
• Liaise with internal departments and external parties to deliver quality service.
• Plan, implement and monitor marketing campaigns and develop marketing materials.
• Prepare reports for tracking and provide insights for improvement.

Skills

Deposit product knowledge

Market knowledge

Product knowledge

Regulatory understanding

Analytical thinking

Education

Bachelor's degree in Business Administration/Finance/Marketing or related disciplines

Job description

Senior Officer, Secured Lending Products

Job Purpose: Assist the Team Head in delivering key performance indicators of the secured lending business and perform portfolio management of the products such as premium financing, secured overdraft, mortgage loan etc.

Responsibilities:

Assist in proactive deposit portfolio management & payment business based on robust of MIS, market trend, bank’s strategy as well as macro economy.

Support in the development of short and long term strategic planning in order to enhance deposit products and services, deliver the key performace indicators of payment business (including account binding and transaction), drive deposit balance and create incremental revenue to deposit & payment business.

Assist in analyzing financial performance KPIs on deposit & payment business.

Assist in formulation of holistic deposit product proposition through ongoing & robust data mining (customer behavior analysis), insight from customer voice (internally & externally) as well as learning from professional target marketing activities.

Assist in liaising with internal departments, advertising agencies and other external parties to deliver quality service and achieve business deliverables in an effective and timely manner.

Work closely with different sales channels for better customer experience, achieve business targets and efficient operating process.

Participate in planning, implementing and monitoring of marketing campaign performance and competitiveness and develop marketing materials including above-the-line and below-the-line campaigns.

Prepare relevant reports for program tracking and evaluation, and provide insights for continuous improvement.

Assist in preparing relevant business proposals and reports for presentation to senior management.

Perform competitive analysis with constructive advice for competitiveness.

Analyze customer / product / campaign MIS to understand customer behaviour, and trend for continuous improvement of the designated areas of deposit & payment business.

Support frontline and adhere to anti-money laundering and counter terrorist financing controls in accordance with regulatory standards and CNCBI policies.

Clearly communicate with the internal customers regarding their needs and expectations through active listening and proactive questioning skills.

Requirements:

Preferably a Degree holder or equivalent in Business Administration, Finance, Marketing or related disciplines.

Minimum of 1 years of solid experience in product development/ management for deposit products preferably in banking field

Sound retail product knowledge (such as CASA, TD, ATM card) and payment vehicle (such as FPS, QR code payment, cross-border payment, QR code cash withdrawal) & understanding of basic regulatory requirements.

Market Knowledge - Understand industry and market development relating to own function. Alert management to emerging opportunities and threats and make practical recommendations to solve problems

Product Knowledge - Understand the proposition and pricing structure of CNCBI deposit products and payment functions to ensure the competitiveness of our products and services

Personal data collected will be used for recruitment related purposes only. Applicants not invited for interview within 6 weeks may consider their applications unsuccessful. However, applicants may be considered for other suitable positions within the Group for a period of not more than 2 years. Personal data will be destroyed at any time after 3 months.

China CITIC Bank International is committed to being an equal opportunities employer and intends to provide a work environment free of unlawful discrimination or harassment. All employment decisions will be made in a non-discriminatory manner.