Retail jobs in Malaysia

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Within International Wealth and Premier Banking (IWPB), we serve 41 million customers globally, including 6.7 million who are international, from retail customers to ultra-high net worth individuals and their families. We help our customers to take care of their day-to-day finances and to manage, protect and grow their wealth. Our international network and breadth of expertise enable us to deliver on HSBC’s purpose of opening up a world of opportunity by providing our customers with borderless banking and world-class wealth management through best-in-class, mobile-first capabilities and exceptional people. Our key areas of operations include Retail Banking and Wealth Management, Asset Management, Private Banking and Insurance.

We are currently seeking an ambitious individual to join our Wealth and Personal Banking team in the role of Head of Cards & Unsecured Lending working together with colleagues to define, manage and achieve divisional business targets.

This is a senior leadership role reporting to the Head of Retail Products, WPB and the Cluster Head of Asia Cards. The role holder is responsible for spearheading the execution of the WPB product strategy for Credit Cards and Loans, delivering P&L objectives and Conduct/Controls KPIs, increasing overall NPS, etc.

• Execution at pace of activities designed to meet or exceed the growth objectives of WPB, with particular focus on new CIF acquisitions, customer engagement, and balance build
• Management of differentiated Products and propositions which drive value and supports delivery of the WPB Strategy, P&L, and Balance Sheet objectives.
• Accountable for P&L delivery and portfolio optimization including active pricing and margin management to optimize balance sheet performance.
• Owns end-to-end customer journey across all cards & unsecured lending products, work with digital (local and global), operations, IT and servicing teams to enhance customer experience and improve sales efficiency.
• Lead and develop an effective team through communication, performance management, career development plans and reward/recognition practices.
• Execute Asia Cards competency development framework in the market team, developing top talent in the industry.
• Ensure Cards and Loans related processes comply with local regulations, HSBC group policies/FIMs, and internal procedures
• Compliance with regulatory procedures, also meeting all cross-border requirements.
• Increase our credit card market shares in terms of number of customers.
• Deliver portfolio performance and develop and maintain a market leading set of credit card propositions.
• Minimum of ten years proven banking experience including a minimum of four years proven senior management experience or equivalent. Local market knowledge and experience is preferred.
• Minimum of a bachelor’s degree in marketing, business, related field, or equivalent experience.
• Strong managerial, planning, analytical, communications, decision-making, lateral thinking, influencing, interpersonal and project management skills.
• Thorough understanding of customer segmentation and management techniques, as well as the businesses and products supported and the regulations impacting them.
• Proven track record of communicating effectively within the organization and with customer groups.
• Ability to work in a team-oriented environment and effectively influence and communicate across various business lines at senior levels within the organization.
• Knowledge of the organization and its products, processes and pertinent regulations affecting their delivery.
• Strong knowledge of the customer service concept and its impact on customer relationships.

www.hsbc.com/careers

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