Wealth Financing Specialist

Bank Ocbc; Indonesia; On-site; IDR 200,880,000 - 334,800,000; Full time

Job summary

Bank Ocbc is seeking a Wealth Financing Specialist in Indonesia to lead product strategy for wealth solutions, define target segments, and drive end-to-end product design with strong collaboration across RM, branches, and partners.

You will conduct market trend analysis, assess regulatory changes, and translate insights into actionable product actions, pricing, and risk monitoring while supporting marketing and channel initiatives.

Responsibilities

• Define IBL Strategy and target segments (e.g., Personal Banking - EA, Premier Banking, Private Banking), use cases (liquidity, wealth leverage), and eligibility rules.
• Conduct competitive benchmarking (Pricing, LTV, process/TAT/TTY/TTC, digital capability, Marketing Program, etc).
• Identify market trends, regulatory changes, and portfolio risk signals (i.e margin calls) ; translate insights into product actions.
• New product design & system (end to end): customer experience and journey, facility types, limits, LTV, repayment options, fees, STP scope etc.
• Build customer personas, end to end journeys, and value propositions by segment/channel (segments, mobile banking, RM, branches, partners i.e insurance).
• Product advisory for RMs/Network/Sales

Job description

Wealth Financing Specialist

Perusahaan : Bank Ocbc Jenis Pekerjaan : Full-Time Indonesia

Product analytics & Strategy : Target Market, Competitive Landscape and proposition- UVP

• Define IBL Strategy and target segments (e.g., Personal Banking - EA, Premier Banking, Private Banking), use cases (liquidity, wealth leverage), and eligibility rules.
• Conduct competitive benchmarking (Pricing, LTV, process/TAT/TTY/TTC, digital capability, Marketing Program, etc).
• Identify market trends, regulatory changes, and portfolio risk signals (i.e margin calls) ; translate insights into product actions.
• New product design & system (end to end): customer experience and journey, facility types, limits, LTV, repayment options, fees, STP scope etc.
• Build customer personas, end to end journeys, and value propositions by segment/channel (segments, mobile banking, RM, branches, partners i.e insurance).
• Product advisory for RMs/Network/Sales

Product execution : Marketing Plan & acquisition channel

• Create and execute GTM plan: positioning, offers, messaging, content, and customer education.
• Define acquisition funnel across channels:
  • Digital (OCBC Mobile, push/in-app banners, SEO/SEM)
  • Internal (RMs, branches, contact center)
• Stakeholder Management (i.e Collaboration with GM for wealth event, collaboration with Segment Proposition for Program, collaboration with Network for monitoring & sales execution, Marketing Communication for product campaign)
• Build lead-generation and conversion strategy (propensity models, pre-approved leads, portfolio growth).
• Set sales playbooks, training materials, and KPI and incentive alignment (where applicable).
• Become speaker at Customer/Network event

Product Governance & Monitoring : Cost & Pricing; Business Volume & Performance and Risk Governance

• Define pricing framework - FTP : reference rates/spreads, fee, promo pricing etc.
• Manage profitability: NIM, FTP impacts, acquisition cost, operational costs, expected credit loss, capital usage/charge (KRK).
• Monitor KPIs and management reporting : applications, approvals, utilization, disbursements, revenue, NIM, NPL/ECL, LTV distribution, TTY/TTC, STP rate,etc.
• Manage portfolio health: collateral movements, margin calls/alerts (if applicable), early warning indicators.
• Manage product governance: product program documents, approvals, policy alignment.
• Ensure end to end controls: KYC/AML, credit policy adherence, fair dealing, conduct risk, complaints handling from customer etc.