Director of Credit Card & Lending Growth & Innovation

BANK OF CHINA LIMITED; Singapore; On-site; SGD 180,000 - 320,000; Full time

Job summary

Bank of China Limited in Singapore seeks a senior leader to drive the strategy, development, profitability and growth of the credit card and unsecured lending portfolio. You will oversee product management, portfolio performance, customer lifecycle management, risk-adjusted profitability, and regulatory compliance while driving innovation and digital transformation.

Key focus areas include strategic planning for credit products, portfolio growth targets, lifecycle management, and expanding

Qualifications

• Bachelor's degree in Business, Finance, Economics, Marketing, Banking, or related field.
• MBA or Master’s degree preferred.
• 10-15+ years of experience in retail banking, consumer finance, credit cards, or unsecured lending.
• Minimum 5 years of leadership experience managing product teams.
• Proven experience managing credit card and/or personal loan portfolios.
• Strong track record of delivering revenue growth and portfolio profitability.
• Excellent P&L management skills with demonstrated delivery of revenue and profitability outcomes.
• Deep expertise in portfolio analytics, customer segmentation, and product lifecycle management.
• Strong understanding of credit and operational risks, controls and compliance in a highly regulated environment.

Responsibilities

• Develop and execute the overall strategy for credit card and unsecured loan products.
• Manage product lifecycle, including design, enhancement, pricing, and retirement.
• Define portfolio growth targets and profitability objectives.
• Identify new market opportunities, customer segments, and product offerings.
• Benchmark products against competitors and industry trends.
• Drive acquisition, activation, usage, and retention of customers.
• Develop strategies to increase loan balances, credit card spend, and customer engagement.
• Manage product P&L and achieve revenue, profitability, and market share targets.
• Drive digital product initiatives and customer journey enhancements.
• Utilize customer insights and data analytics to improve product features.
• Lead customer-centric innovations, rewards programs, and digital lending solutions.

Skills

P&L management

Portfolio analytics

Leadership

Strategic thinking

Stakeholder management

Regulatory compliance

Customer segmentation

Education

Bachelor's degree

MBA or Master’s

Job description

Bank of China Limited in Singapore seeks a senior leader to drive the strategy, development, profitability and growth of the credit card and unsecured lending portfolio. You will oversee product management, portfolio performance, customer lifecycle management, risk-adjusted profitability, and regulatory compliance while driving innovation and digital transformation.

Key focus areas include strategic planning for credit products, portfolio growth targets, lifecycle management, and expanding