Manager - HLISB (ASB Product)

Hong Leong Bank; Malaysia; Presencial; MYR 180 000 - 260 000; Tempo integral

Resumo da oferta

Hong Leong Bank is seeking a senior product leader to own the ASB product line P&L, optimize NIM, and drive value through pricing and feature innovations. You will lead the lifecycle from ideation to launch, applying Agile and design thinking to improve digital channels and reduce CAC.

Collaborate with financing units, distribution networks, and marketing to maximize portfolio performance, while ensuring strict adherence to regulatory and Shariah governance frameworks.

Qualificações

• Bachelor’s degree or equivalent professional qualification required.
• Professional Scrum Product Owner (PSPO) certification or plan to complete upcoming cohort.

Responsabilidades

• Take full ownership of the ASB product line P&L and NIM targets.
• Develop product strategies and pricing aligned with Shariah and margin goals.
• Oversee end-to-end product lifecycle using Agile and design thinking.
• Own and coordinate the Instalment Revision Exercise within broader programs.
• Collaborate with HLISB Financing-i, PFS Unsecured Lending, distribution, and marketing to optimize sales.
• Conduct deep-dive portfolio analytics and benchmark against competitors.
• Incorporate customer feedback and fintech trends to introduce high-margin features.
• Ensure compliance with bank SOPs, regulations, privacy, and Shariah governance.

Formação académica

Bachelor’s Degree or equivalent

PSPO certification

Descrição da oferta de emprego

If you are looking to excel and make a difference, take a closer look at us…

Functional (job responsibilities)

• Take full ownership of the ASB product line profit and loss (P&L), managing net interest margins (NIM), yield optimization, fee income, product unit economics, and operational cost structures to meet financial targets.
• Develop and execute product strategies and dynamic pricing models aligned with value center targets, Shariah principles, and balance sheet/margin objectives.
• Oversee the end-to-end product lifecycle from ideation to launch, applying Agile frameworks (Scrum, Kanban) and design thinking to optimize digital channels and lower customer acquisition costs.
• Fully own, coordinate, and execute the Instalment Revision Exercise, seamlessly integrating ASB financing into the broader Mortgage Instalment Revision Exercise program to drive cost synergies and portfolio efficiency.
• Partner closely with HLISB Financing-i, PFS Unsecured Lending, distribution networks (including branch networks and distribution teams), and marketing to optimize sales throughput, conversion, and campaign ROI.
• Perform deep-dive portfolio analytics, metric tracking (P&L impact, adoption rates, revenue contribution, usage frequency), and competitor benchmarking using product analytics tools (e.g., Amplitude, Mixpanel) to maximize lifetime value.
• Integrate continuous customer feedback, user testing, predictive analytics, and emerging FinTech trends (e.g., AI, cloud computing) to introduce high-margin digital product features.
• Ensure all policies, pricing documentation, and operational workflows strictly comply with Bank SOPs, financial regulations, data privacy laws, security standards, and the Shariah Governance Framework.

Managerial (team/group responsibilities)

• Lead and guide Assistant Product Managers (APMs), fostering an agile, P&L-oriented culture while managing sprint execution and product backlogs.
• Act as a self-starter equipped to resolve complex financial or operational challenges and execute data-driven decisions under tight timelines.
• Provide continuous product and sales strategy training to frontline distribution networks, sales teams, and operational stakeholders.

Organizational (organizational responsibilities)

• Foster an environment of continuous experimentation (e.g., A/B testing) and process improvement across cross-functional matrix teams.
• Exhibit dynamic, multi-tasking capabilities and intellectual curiosity while aligning multi-disciplinary teams toward overall financial and business targets.

Education/Qualification

• Relevant Bachelor’s Degree or equivalent professional qualification.
• Professional Scrum Product Owner (PSPO) certification (or commitment to complete upcoming cohort training).

Experience

• Must have experience in ASB Product.
• Minimum 5 years of experience in Product Management, Business Development, or Secured/Retail Financing (Mortgage/ASB Financing), preferably from banking institutions.

About Hong Leong Bank

We are a leading financial institution in Malaysia backed by a century of entrepreneurial heritage. Providing comprehensive financial services guided by a Digital-at-the-Core ethos has earned us industry recognition and accolades for our innovative approach in making banking simpler and more effortless for our customers.

Our digital and physical offerings span across a vast nationwide network in Malaysia, strengthened with an expanding regional presence in Singapore, Hong Kong, Vietnam, Cambodia, and China.

We seek to strike a balance between diversity, inclusion and merit to achieve our mission of infusing diversity in thinking and skillsets into our organisation. Candidates are assessed based on merit and potential, in line with our mission to attract and recruit the best talent available.

Expanding on our "Digital at the Core" ethos, we are progressively digitising the employee journey and experience to provide a strong foundation for our people to drive life‑long learning, achieve their career aspirations and grow talent from within our organisation.

Hong Leong Bank ("HLB") stands proudly as a leading financial services institution based in Malaysia, providing a wide range of comprehensive and innovative financial solutions across the region. These services are delivered through both digital and traditional means, via online and mobile banking, as well as our digital branch concept to provide customers with an efficient and seamless experience aided by technology.

As the service and financial landscape changes rapidly with the ever‑increasing use of technology, staying attuned to customers needs and desires becomes even more critical to HLB’s operations. To stay ahead of these dynamic changes, the Bank has adopted the approach of reimagining banking by embedding digital considerations and customer centricity in every aspect of our operations, from products and services as well as customer care and engagement.

HLB’s ethos of being Digital-At-The-Core powered by customers-at-the-forefront will continue to lead us to innovate offerings in line with our aspiration of being a highly digital and innovative financial services organization.