Product Lead – Retail SME Deposits & Ecosystems

Hong Leong Bank Berhad; Malaysia; Sur place; MYR 180 000 - 290 000; Plein temps

Résumé du poste

Hong Leong Bank is actively seeking a seasoned Product Manager to lead the business banking product roadmap and digital onboarding initiatives for micro-SMEs.

You will drive cross-functional collaboration across Compliance, Operations, Digital Banking and Marketing to deliver compliant, customer-centric cash management and merchant payment solutions.

Qualifications

• Bachelor’s degree in Business Administration, Banking, Finance, Economics, Statistics, or related discipline.
• 6–10+ years of product management, channel strategy, or commercial portfolio management experience in Retail SME Banking, Business CASA, or Merchant Payments / Cash Management.
• Strong understanding of non-individual business structures, SSM registry verification, and corporate KYC/AML requirements.

Responsabilités

• Define and execute the product roadmap for business operating accounts, foreign currency vendor settlements, and cash management solutions for micro-SMEs and growing commercial entities.
• Own the digital application funnel for business entities with instant checks and e-KYC, identifying bottlenecks to improve conversion and reduce turnaround times.
• Partner with Merchant Acquiring teams to position CASA products as primary daily settlement accounts for POS terminals, DuitNow QR, and e-commerce platforms.
• Utilize cohort analytics and transaction velocity to optimize sourcing channels (direct deposit sales forces, branches, and digital funnels).
• Design float-building propositions using merchant cash flow analytics, including supplier payment tools and debit card cash-back incentives.
• Collaborate with Compliance, Operations, Digital Banking and Marketing to ensure adherence to BNM, AML/KYC and governance.

Connaissances

Product management

Channel strategy

Commercial portfolio management

Ecosystem design thinking

Analytics and funnel metrics

Formation

Bachelor’s Degree in Business/Banking/Finance

Description du poste

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

Key Responsibilities

• Non-Individual CASA & Product Strategy: Define and execute the product roadmap for business operating accounts, foreign currency vendor settlements, and cash management solutions tailored for micro-SMEs and growing commercial entities.
• Digital Onboarding & Straight-Through Processing (STP): Own the digital application funnel for business entities (instant SSM/BRN registry checks, e-KYC), identifying drop-off bottlenecks to maximize conversion rates and reduce turnaround times.
• Merchant Acquiring & Ecosystem Synergies: Partner with Merchant Acquiring teams to position our CASA products as the primary daily settlement account for POS terminals, DuitNow QR merchants, and e-commerce platforms.
• Channel Performance & Quality Auditing: Utilize cohort analytics, initial balance funding rates, and 60-day transaction velocity to optimize sourcing channels (direct deposit sales forces, branch networks, and digital partner funnels).
• Liquidity & Retention Programs: Leverage merchant cash flow analytics to design targeted float-building propositions, including supplier payment tools, ad-spend cash-back incentives via business debit cards, and tiered operating yield features.
• Cross-Functional Collaboration & Governance: Work closely with Compliance, Operations, Digital Banking, and Marketing to ensure strict adherence to BNM regulations, AML/KYC standards, and company statutory governance.

What We Are Looking For

• Education: Bachelor’s Degree in Business Administration, Banking, Finance, Economics, Statistics, or a related discipline.
• Experience: 6-10+ years of product management, channel strategy, or commercial portfolio management experience in Retail SME Banking, Business CASA, or Merchant Payments / Cash Management.
• Business Onboarding Knowledge: Strong understanding of non-individual business structures, SSM registry verification, company secretary documentation, and corporate KYC/AML requirements.
• Analytical Literacy: Demonstrated ability to work with funnel analytics, merchant settlement streams, and sales conversion metrics to drive commercial balance growth.
• Ecosystem & Design Thinking: Proven track record of collaborating with merchant acquiring teams, digital marketplaces, or fintech platforms to translate everyday business pain points into intuitive banking features.

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.