Job Summary

Key Responsibilities

• Financial Performance Management: Monitor, track, and analyze the financial performance of the credit cards and lending portfolio against established budgets and forecasts. Identify variances and provide actionable insights to senior management.
• Driver Analysis & Modeling: Develop robust models that link key business drivers (e.g., activity, authorization rates, utilization, default rates, acquisition costs) to financial outcomes (e.g., Net Interest Income, Fee Income).
• Optimization Initiatives: Own and drive strategic initiatives focused on enhancing portfolio profitability and efficiency, including:
  • Authorization Rate Optimization: Analyze transaction data to improve authorization success rates while effectively managing fraud risk.
  • Scheme Cost Rationalization: Identify opportunities to reduce costs associated with card schemes (e.g., Visa, Mastercard fees) through strategic negotiation or operational changes.
• Operational Efficiency: Collaborate with product and technology teams to ensure the technical setup and configuration of cards and lending products is efficient, scalable, and operationally sound.
• Data Analysis & Reporting: Utilize strong analytical skills and tools to transform raw data into clear, compelling narratives and reports for executive leadership.
• Problem Solving: Tackle complex, unstructured business problems with a high degree of ambiguity, using a combination of analytical rigor, business acumen, and creativity.
• Stakeholder Collaboration: Work closely with Finance, Risk, Product, Marketing, and Operations teams to implement changes, drive performance, and ensure alignment across the organization.

Skills and Experience

• Bachelor’s or Master’s degree in Finance, Economics, Business, or a related quantitative field with 5+ years of portfolio management, financial analysis, product management, or a similar role within the credit card or lending industry in Hong Kong. 
• Deep, technical understanding of the credit cards and lending business lifecycle, including product setup, transaction processing, risk management, and profitability drivers.
• Exceptional analytical and quantitative skills with the ability to collect, organize, analyze, and disseminate significant amounts of information with attention to detail and accuracy.
• Understanding of segmentation and propensity / risk models
• Technical Proficiency:
  • PowerPoint: High proficiency in creating clear, impactful presentations for senior leadership.
  • Data Visualization: Familiarity with data visualization tools, specifically Tableau.
  • Analytical Tools: Proficiency with Excel and other relevant data analysis tools (e.g., SQL experience is a plus).
• A proven track record of solving unstructured problems and driving initiatives from insight to implementation.
• Strong written and verbal communications in both Chinese and English

If you are interested, please submit an application at New Application | Portfolio Manager, Card and Lending | Mox Bank Careers.

Qualifications

<Add relevant qualifications, if required for the role.>

About Standard Chartered

We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.

Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.

Together we:

• Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
• Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

What we offer

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 all sorts of 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.
• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.