Manager - HLISB (ASB Financing Product)

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Functional

• Take full ownership of the ASB Financing product line profit and loss (P&L), managing net interest margins (NIM), yield optimization, fee income, product unit economics, and operational cost structures to meet financial targets.
• Develop and execute product strategies and dynamic pricing models aligned with value center targets, Shariah principles, and balance sheet/margin objectives.
• Oversee the end-to-end product lifecycle from ideation to launch, applying Agile frameworks (Scrum, Kanban) and design thinking to optimize digital channels and lower customer acquisition costs.
• Fully own, coordinate, and execute the Instalment Revision Exercise, seamlessly integrating ASB financing into the broader Mortgage Instalment Revision Exercise program to drive cost synergies and portfolio efficiency.
• Partner closely with HLISB Financing-i, PFS Unsecured Lending, distribution networks (including branch networks and distribution teams), and marketing to optimize sales throughput, conversion, and campaign ROI.
• Perform deep-dive portfolio analytics, metric tracking (P&L impact, adoption rates, revenue contribution, usage frequency), and competitor benchmarking using product analytics tools (e.g., Amplitude, Mixpanel) to maximize lifetime value.
• Integrate continuous customer feedback, user testing, predictive analytics, and emerging FinTech trends (e.g., AI, cloud computing) to introduce high-margin digital product features.
• Ensure all policies, pricing documentation, and operational workflows strictly comply with Bank SOPs, financial regulations, data privacy laws, security standards, and the Shariah Governance Framework.

Managerial

• Lead and guide Assistant Product Managers (APMs), fostering an agile, P&L-oriented culture while managing sprint execution and product backlogs.
• Act as a self-starter equipped to resolve complex financial or operational challenges and execute data-driven decisions under tight timelines.
• Provide continuous product and sales strategy training to frontline distribution networks, sales teams, and operational stakeholders.

Organizational

• Foster an environment of continuous experimentation (e.g., A/B testing) and process improvement across cross-functional matrix teams.
• Exhibit dynamic, multi-tasking capabilities and intellectual curiosity while aligning multi-disciplinary teams toward overall financial and business targets.

Education/Qualification

• Relevant Bachelor's Degree or equivalent professional qualification.
• Professional Scrum Product Owner (PSPO) certification (or commitment to complete upcoming cohort training).

Experience

• Must have experience in ASB Product.
• Minimum 5 years of experience in Product Management, Business Development, or Secured/Retail Financing (Mortgage/ASB Financing), preferably from banking institutions.