Manager, HLISB (Credit Card)

HLB; Kuala Lumpur; On-site; MYR 120,000 - 150,000; Full time

Job summary

Hong Leong Bank in Malaysia seeks a senior manager to lead the strategic direction, profitability, and growth of Credit Card and Debit Card portfolios. You will own the P&L, drive acquisition, revenue growth, and cost management while steering pricing, risk, and portfolio quality with cross-functional leadership.

You will optimize digital channels, improve customer experience, and manage product programs and campaigns across Legal, Compliance, Operations, Credit, and Distribution.

Qualifications

• Proven ability to lead strategic initiatives across multiple units.
• Experience in managing profitability and business performance metrics.
• Strong understanding of pricing, risk, and cost of funds in consumer banking.
• Track record of driving digital channels and improving customer journeys.

Responsibilities

• Define and drive product strategy for credit/debit portfolios, focusing on profitability and growth.
• Lead cross-functional teams to implement pricing, acquisition, and portfolio optimization initiatives.
• Oversee digital optimization projects to enhance customer experience and channel efficiency.
• Collaborate with Legal, Compliance, Operations, Credit, and Distribution to execute programs.

Skills

Strategic leadership

P&L management

Pricing strategy

Cross-functional collaboration

Digital optimization

Job description

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

Overview

This key managerial role is responsible for the overall strategic direction, profitability, and growth of the Credit Card and Debit Card product portfolios. The Manager will act as the business owner, managing the profit and loss (P&L) statement and all key business drivers, including acquisition, revenue growth, and expense management. The role requires a high degree of strategic planning, expertise in pricing, portfolio quality management, and strong cross-functional leadership to drive digital optimization and product innovation.

Key Responsibilities and Accountabilities

1. Product Strategy and Profitability (Functional)

• Manage the Credit Card and Debit Card products Profit and Loss (P&L) statement and all key business drivers, including new account acquisition, growth, and market share penetration.

• Manage cross-sell efforts to existing and new customers with a full business view encompassing sales volume growth, revenue growth, portfolio growth, expense management, customer retention, and credit quality.

• Review, formulate, and execute pricing strategies to enhance profitability against cost of fund, operational expense, and cost of credit.

• Drive quality portfolio growth by working closely with the Risk team to target qualified and profitable customer segments.

2. Digital Optimization and Execution (Functional)

• Optimize channel effectiveness by working closely with sales channels and expanding digital acquisition channels and platforms with a high self-service ratio.

• Explore and realize product feature or process improvements for the purpose of managing risk as well as enhancing customer experience.

• Manage the execution of product programs and campaigns, working closely with stakeholders across the organization including Legal, Compliance, Operations, Credit, and Distribution.

• Manage and support the business in other areas aside of Credit Card.

3. Leadership and Collaboration (Managerial & Organizational)

• Collaborate with two to three team members to achieve the overall departmental goals in product and marketing and to meet the top-line Key Performance Indicators (KPIs).

• Partner and collaborate with various internal and external stakeholders such as Marketing and Communications (MarCom), Analytics, Branch Sales, Telemarketing, Direct Sales, Finance, Compliance, Project Management Office (PMO), etc., to achieve overall business profitability.

Experience/Requirements

• Experience:

• Leadership and Strategic Skills:

• Core Competencies (Knowledge):

• Communication:

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 ourmission of infusing diversity in thinking and skillsets into our organisation.Candidatesare 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.