Team Lead, Regional Wealth Management (Wealth Lending Products)

Hong Leong Bank Berhad; Malaysia; On-site; MYR 260,000 - 380,000; Full time

Job summary

Hong Leong Bank in Malaysia seeks a senior leader to drive end-to-end wealth lending strategy from design to implementation and portfolio management. You will partner with RMs, product teams, Risk and Compliance to deliver client-centric and compliant lending solutions aligned with growth objectives.

The role emphasizes product management, market insights, and cross-functional collaboration to drive adoption, digitisation, and risk monitoring across the wealth lending portfolio.

Qualifications

• Malaysian citizen.
• Min 8 years of relevant experience in banking and financial institutions, particularly in wealth management, investment and insurance product management, wealth lending and financing areas.

Responsibilities

• Lead end-to-end wealth lending strategy from design to implementation.
• Collaborate with RMs, Investment & Banca product teams, Risk, Credit, Legal, Compliance, Tech, Digital, Marketing to deliver client-centric solutions.
• Digitise lending processes front to back and drive portfolio performance and risk monitoring.
• Ensure regulatory compliance with BNM and alignment to the bank’s wealth growth proposition.

Skills

Strategic thinking

Stakeholder management

Portfolio management

Risk governance

Cross-functional collaboration

Education

Diploma or Undergraduate Degree in Accounting, Economics, Finance, Business Studies or Marketing

Job description

Job Purpose

The incumbent will lead the end to end strategy from design to implementation, portfolio management and risk governance for the wealth lending solutions to Private and Priority Banking clients, across Lombard securities-backed financing. partner closely with RMs, Investment & Banca product teams, Risk, Credit, Legal, Compliance, Tech, Digital, Marketing teams to deliver client-centric and commercially viable solutions ensure prudent risk management, regulatory compliance to BNM and alignment to Bank’s strategic wealth growth proposition drive digital lending initiatives and innovation in lending processes to improve client experience

Product Strategy & Growth

Execute the Wealth Lending strategy across the various customer segments of the Bank, to align with the RWM wealth priorities. Build the pipelines with RMs, Team Heads, Segment Heads on monetization strategies grow the clients’ wallet share, cross sell investment / banca products, increase AUM stickiness Lead discussions on pricing framework, product marketing and ongoing client / sales engagement

Product Management

Manage and enhance wealth lending products, incorporating Sales feedback and market insights. Run portfolio tactical campaigns to drive adoption of lending solutions and cross sell opportunities Monitor market trends and competitor offerings to identify product enhancement opportunities Digitise processes front to back, by working with Tech, Channels, Credit, Risk, Legal and Compliance to seek opportunities to improve efficiency, client experience, turnaround times and risk monitoring. Drive both the Phase 2 of tactical system solution and the long term strategic core lending system solution to see to its implementation. Manage system requirements, functional specs and participate in the system, process design, UAT to ensure system readiness for launch of the tactical & strategic wealth lending solutions. Monitor loan book to track portfolio performance and identify areas of potential risks / growth opportunities Work closely with Sales, Credit and Risk teams to uphold portfolio quality Conduct review of the lending framework for robustness and market relevancy

Business Enablement & Training

Be on the ground to engage RMs, THs, Area Managers, RCGMs to increase penetration on wealth lending products Track penetration across centres / regions. Provide training and guidance to RMs to strengthen frontline credit knowledge Develop product collaterals and sales tools to support business growth. Collaborate with key stakeholders (Credit, Risk, Operations, Compliance, Distribution) for alignment and seamless execution

Portfolio Management

Responsible for the P&L of the Wealth Lending portfolio in Malaysia (SMF, ODUT, Portfolio Financing) by growing the loan book and optimizing the loan yields, utilization and risk adjusted returns. Monitor portfolio concentrations, counterparty exposures, collateral quality. Oversee the investment financing framework, marginable lists, haircuts on marketable securities and identify critical gaps with call to action to close the gaps.

Risk & Governance

Ensure ongoing compliance with BNM regulatory requirements, cross-border rules, booking policies and Bank’s credit risk appetite. Work with Risk on periodic stress test / scenarios, and early alert triggers Participate in WSPC, PRAC, MCC to present product development / enhancements, deals, exceptions, structured lending solutions

Job Requirements

Malaysian citizen Minimum Diploma or Undergraduate Degree in Accounting, Economics, Finance, Business Studies or Marketing. Min 8 years of relevant experience in banking and financial institutions, particularly in wealth management, investment and insurance product management, wealth lending and financing areas.

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.