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Product Lead – Retail SME Deposits & Ecosystems

Product Lead – Retail SME Deposits & Ecosystems

Hong Leong Bank
Fresher
Not Disclosed
  • Posted 6 hours ago
  • Be among the first 10 applicants

Job Description

If you are looking to excel and make a difference, take a closer look at us…

Key Responsibilities

  • Non-Individual CASA & Product Strategy: Define and execute the product roadmap for business operating accounts, foreign currency vendor settlements, and cash management solutions tailored for micro-SMEs and growing commercial entities.
  • Digital Onboarding & Straight-Through Processing (STP): Own the digital application funnel for business entities (instant SSM/BRN registry checks, e-KYC), identifying drop-off bottlenecks to maximize conversion rates and reduce turnaround times.
  • Merchant Acquiring & Ecosystem Synergies: Partner with Merchant Acquiring teams to position our CASA products as the primary daily settlement account for POS terminals, DuitNow QR merchants, and e-commerce platforms.
  • Channel Performance & Quality Auditing: Utilize cohort analytics, initial balance funding rates, and 60-day transaction velocity to optimize sourcing channels (direct deposit sales forces, branch networks, and digital partner funnels).
  • Liquidity & Retention Programs: Leverage merchant cash flow analytics to design targeted float-building propositions, including supplier payment tools, ad-spend cash-back incentives via business debit cards, and tiered operating yield features.
  • Cross-Functional Collaboration & Governance: Work closely with Compliance, Operations, Digital Banking, and Marketing to ensure strict adherence to BNM regulations, AML/KYC standards, and company statutory governance.

What We Are Looking For
  • Education: Bachelor's Degree in Business Administration, Banking, Finance, Economics, Statistics, or a related discipline.
  • Experience: 6-10+ years of product management, channel strategy, or commercial portfolio management experience in Retail SME Banking, Business CASA, or Merchant Payments / Cash Management.
  • Business Onboarding Knowledge: Strong understanding of non-individual business structures, SSM registry verification, company secretary documentation, and corporate KYC/AML requirements.
  • Analytical Literacy: Demonstrated ability to work with funnel analytics, merchant settlement streams, and sales conversion metrics to drive commercial balance growth.
  • Ecosystem & Design Thinking: Proven track record of collaborating with merchant acquiring teams, digital marketplaces, or fintech platforms to translate everyday business pain points into intuitive banking features.

More Info

Key Skills

Cohort Analytics

Commercial Portfolio Management

Merchant Cash Flow Analytics

Digital Onboarding

About Company