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If you're looking for a career that will unlock new opportunities, join HSBC and experience the possibilities. Whether you want a career that could take you to the top, or simply take you in an exciting new direction, HSBC offers opportunities, support and rewards that will take you further.

At HSBC, our purpose is opening up a world of opportunity and by joining our team, you can be part of something bigger. We are committed to removing barriers and ensuring careers at HSBC are inclusive and accessible.

In International Wealth and Premier Banking 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 look after their day-to-day finances and manage, protect and grow their wealth. Retail Banking plays a crucial role in executing the International Wealth and Premier Banking strategy, providing strategic advice, frameworks and guidance to markets, that ensure all customer journeys, products and services are sustainable, inclusive and built with customers at the heart. Retail Banking brings together a united retail business, made up of the following global teams: Segments, Retail Products, Shared Services Contact Centre, Distribution and Enablers spanning Customer Experience, Marketing, Data and Analytics, Business Architecture, Sustainability and Inclusion for International Wealth and Premier Banking.

We are currently seeking an experienced professional to join this team in the role of Assistant Product Manager, Mortgage

Job Description

We are seeking a dynamic and experienced individual to join our Mortgage Product team. The job holder is responsible for developing and executing strategies and initiatives that grow Mortgage business in a responsible manner. The core product management encompasses pricing strategies, risk management and market mapping).

Key Responsibilities

Product Strategy & Growth (Portfolio & Balance Sheet)
Support the end-to-end management and strategic development of the entire mortgage product lifecycle, ensuring competitiveness and alignment with business goals and regulatory standards.
Assist to develop and execute a robust Balance Sheet growth strategy focused on increasing new customer acquisition volume and enhancing existing customer retention to achieve sustainable portfolio expansion.
Conduct market research and analysis to identify emerging trends and opportunities in the property development industry to penetrate new customer segments and drive incremental revenue.
Support the development of product pricing framework, ensuring optimal commercial outcomes that balance volume growth with mandated profitability targets (P&L).
Drive initiatives to optimize product profitability through margin management, fee structure review, and cost efficiency programs without compromising customer experience.
Work closely with the key stakeholders Distribution, Finance and Risk teams to maintain a healthy product profitability, balancing growth with prudent lending practices.
Contribute to the design and execute a compelling cross-sell strategy focused on integrating mortgages with high-value products like Wealth Management, Insurance, Deposits and Credit Cards, ensuring a holistic relationship to enhance client satisfaction and revenue.
Other Responsibilities
To identify opportunities, recommend and implement process improvement initiatives to ensure sustainable growth and seamless customer experience.
To actively participate and implement changes in projects or ad-hoc tasks in accordance with business needs.
To adhere and ensure compliance of audit requirements and implementation of Group and Regulatory Compliance policies.
Customer Relationship Management - Build and maintain strong relationships with customers by providing excellent customer service and support including proactively addressing customers concerns and resolve issues in a timely manner.

Qualifications

Minimum of 3 - 5 years of experience in product management within the Financial Services/Banking industry or large corporate firm, preferably with experience managing a mortgage or secured lending portfolio in Malaysia.
A Bachelor's Degree in banking, business, economics, finance, marketing, communications or a related field. MBA or relevant professional qualification is a plus.
Proven track record of driving significant P&L improvement and Balance Sheet growth in a challenging or competitive market environment.
Strong business decision making and have good planning and organization skills:
Evidence of a strong collaborator with proven ability to influence broadly and challenge conventional thinking.
Superb ability in strategic thinking and the ability to frame business problems.
Strong analytical skills with proven ability to translate data into meaningful information and actions.
Excellent communication skills & ability to work with other stakeholders in the bank.
Experience in collaborating with cross-functional teams in a fast paced, dynamic environment.
Strong understanding of the Malaysian property market, financial services industry, competitors, lending regulations and target market.

Opening up a world of opportunity

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Issued by HSBC Bank Malaysia Berhad

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