Team Lead, Wealth Lending Solutions

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Client & Front Office Partnership& Lending Solutions Design

• Subject matter expert and advisor on all wealth lending solutions

• Partner closely with stakeholders RMs and ICs to structure and deliver tailored lending solutions for private and priority banking clients

• Join prospect and client meetings with RMs / ICs to raise awareness of wealth lending solutions available eg Portfolio Financing, OD-UT, Share Margin.

• Drive product awareness, adoption, and commercialisation across the different lending propositions

• Support the Sales teams to execute drawdowns to meet the client's liquidity needs or investment trade settlement.

• Attend to queries from Sales RMs, Area Managers, RCGMs, Credit, Ops, in a timely manner.

• Manage expectations through strong communication with clients and RMs.

• Respond to loan servicing issues eg. client's queries on loan account balances, facility utilization, account statement.

• Schedule ongoing ground engagements with Branches and clients to increase product penetration.

Product Management & Campaign Management

• Manage and enhance wealth lending products, incorporating Sales feedback and market insights

• Define product value proposition and run portfolio initiatives eg. run tactical campaigns to drive adoption of lending solutions and cross sell opportunities

• Identitynew lending opportunities and innovate client-centric solutions to enhance client experience and deepen wallet share of client

• Streamline processes / documentation to improve efficiency, client experience and risk monitoring for the frontliners

• Work with various Investment Product teams to review and onboard qualifying collaterals onto the marginable collateral lists.

Risk, Governance and Controls

• Collaborate with Credit, Risk, Marketing, Legal and Compliance functions to design robust credit frameworks, policies, campaign T&Cs, governance standards

• Ensure all products adhere to regulatory requirements and internal risk policies

• Balance business growth and credit prudence

Market and Portfolio Management

• Track market trends, competitor offerings and emerging practices in wealth lending space to maintain competitive positioning.

• Keep abreast of industry developments, market sentiments and competitors offerings to identify product enhancement opportunities, provide feedback to the product manager

• Monitor loan book growth to track portfolio performance on ENR, NII, impairment loss are on track to budget periodically.

• Support portfolio analytics to identify areas of potential risks / opportunities / leads

People and Team Management

• Lead a team of Wealth Lending Solutions Specialists in Share Margin, OD UT and Portfolio Financing.

• Be the go-to person to guide the team and provide advisory on all wealth lending related matters.

• Keep the team motivated to work towards the loan growth target, by rendering value add service to internal stakeholders eg. RMs, ICs, and external parties eg. remisiers, clients.

• Look out for opportunities to cross train staff to be conversant with the product suite offerings in the regional wealth lending ambit.