Job Summary

As the Head of Credit Cards and Personal Loans for Wealth & Retail Banking (WRB) in Hong Kong, you will play a pivotal role in steering product leadership, fostering innovation, and driving strategic growth to cement our position as a market leader. You will be responsible for comprehensive product lifecycle management, proactively balancing profitability with risk management while championing exceptional client experiences. This role requires close collaboration with various internal stakeholders, including segments, distribution, digital, risk teams, and external partners, to co-create integrated product offerings that meet dynamic market needs and exceed customer expectations.

Strategic Leadership

You will skillfully manage partnerships with key external entities such as Visa and MasterCard, cultivating alliances that drive business value, innovation, and customer engagement. Leveraging insights from co-brand partners and broader market intelligence, you will shape and execute product strategies that align with both local market dynamics and global WRB objectives. Balancing growth ambitions with risk optimization in close partnership with Risk teams will be crucial, ensuring portfolio health and sustainable profitability. An integral part of your role is to foster an agile, high-performing team culture that adapts swiftly to market shifts and drives continuous improvement.

Business Development and Performance Management

Proactively identify and exploit market trends and customer insights to expand the client base through the launch of innovative products, features, and value-added services. Driving key performance indicators, including profitability, balance sheet optimisation, and market share growth, will be central to your role. You will champion initiatives aimed at enhancing customer experience and Net Promoter Score (NPS) by designing intuitive client journeys, spearheading engagement programs, and ensuring responsive complaint resolution. Your leadership will be instrumental in positioning the portfolio to achieve both short-term successes and long-term growth within a competitive financial services landscape.

Key Responsibilities

• Lead all aspects of Credit Cards and Personal Loans product management, including conception, development, and execution aligned with WRB strategic priorities.
• Drive end-to-end product innovation, from ideation through market launch, actively collaborating across internal segments and with external partners to develop market-leading propositions.
• Manage strategic partnerships with Visa, MasterCard, and co-brand partners to leverage network capabilities and enhance the overall product portfolio and customer value proposition.
• Implement robust governance frameworks to ensure compliance with regulatory guidelines, risk appetite, and internal policies, balancing growth aspirations with prudent risk management.
• Steer portfolio risk management in conjunction with Risk teams to optimise credit quality and maintain asset performance objectives.
• Drive go-to-market strategies to maximise customer acquisition and retention, leveraging analytics to refine targeting and personalisation.
• Champion customer-centric principles by continuously improving client journeys and service delivery, aiming to elevate customer satisfaction scores and reduce friction points.
• Develop, mentor, and empower a diverse and agile product team, fostering a culture of innovation, collaboration, and accountability.
• Monitor market conditions, competitor activities, and emerging trends to ensure the product suite remains relevant and competitive.

Candidate Profile

• Proven leadership experience in product management within retail banking, specifically managing credit card and personal loan products in a dynamic financial market.
• In-depth understanding of the Hong Kong financial services industry and regulatory environment, with a track record of navigating complex compliance landscapes effectively.
• Strong strategic thinking and commercial acumen, with the ability to interpret data, market trends, and customer insights to inform decision-making.
• Excellent relationship management skills to engage internal and external stakeholders, including alliances with global card networks and co-brand partners.
• Ability to lead and inspire agile teams, promoting continuous learning, innovation, and high performance in a fast-paced environment.
• Demonstrated success in growing product portfolios and improving customer experience, supported by robust governance and risk management practices.
• Exceptional communication and presentation skills, capable of influencing senior leadership and cross-functional teams.
• A degree in Business, Finance, Economics, or a related field; advanced qualifications or certifications in product management or banking steadily preferred.

Working Environment and Location

This full-time position is based in our Kwun Tong office, embedded within a collaborative and dynamic working environment that encourages innovation and excellence. As a people leader, you will guide a talented team, fostering a culture that supports diversity, inclusion, and professional growth. Our office provides state-of-the-art facilities and flexible working arrangements aligned with modern work-life balance principles. This role involves engaging with various global teams and external partners, offering a stimulating and multicultural professional setting.

Skills and Competencies

• Strategic Thinking: Ability to formulate and implement effective product strategies that align with broader business goals.
• Stakeholder Management: Skilled in building and maintaining productive partnerships both internally and externally.
• Analytical Ability: Competence in interpreting market data and customer behaviour to drive informed decisions.
• Risk Awareness: Deep understanding of credit risk management and regulatory compliance requirements.
• Leadership: Proven capacity to lead, inspire, and develop high-performing, agile teams.
• Customer Focus: Commitment to delivering exceptional client experiences through user-centric product design.
• Communication: Strong verbal and written communication skills, adept at presenting complex concepts clearly and persuasively.

About Standard Chartered

We're a global bank connecting clients to our differentiated network, offering growth opportunities in the world's most dynamic markets. Our strategy, which combines cross-border capabilities and leading wealth management expertise, helps us deliver our purpose - to drive commerce and prosperity through our unique diversity.

Over our 170-year history, and across a unique geographical footprint connecting Asia, Africa and the Middle East to each other and the world, we've built a bank like no other, with diverse capabilities and partnerships that set us apart.

What We Offer

• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions, and geographies.
• In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.
• Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
• Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global employee assistance programme, sick leave, mental health first-aiders and self-help toolkits.
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual, and digital learning.

Visit our careers website to learn more about us: www.sc.com/careers.