Head of Cards and Unsecured Lending

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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.

Wealth and Personal Banking is our new global business combining Retail Banking and Wealth Management; and Global Private Banking, to become one of the world’s largest global wealth managers with USD1.4 trillion in assets. Across Asia, where wealth pools are growing faster than in any other region, HSBC’s wealth revenues grew 12% in 2019 (year-on-year) to USD5.7 billion. Our dedicated colleagues serve millions of customers worldwide across the entire spectrum of private wealth, ranging from personal banking for individuals and families, through to business owners, investors and ultra-high-net-worth individuals. We provide products and services such as bank accounts, credit cards, personal loans and mortgages, as well as asset management, insurance, wealth management and private banking, that best suit our customers’ needs.

We are currently seeking an ambitious individual to join our Wealth and Personal Banking team in the role of Head of Cards & Unsecured Lending working together with colleagues to define, manage and achieve divisional business targets.

Role Purpose:

This is a senior leadership role reporting to the Head of Retail Products, WPB and the Cluster Head of Asia Cards. The role holder is responsible for spearheading the execution of the WPB product strategy for Credit Cards and Loans, delivering P&L objectives and Conduct/Controls KPIs, increasing overall NPS, etc.

Principal Responsibilities:

• Execution at pace of activities designed to meet or exceed the growth objectives of WPB, with particular focus on new CIF acquisitions, customer engagement, and balance build
• Management of differentiated Products and propositions which drive value and supports delivery of the WPB Strategy, P&L, and Balance Sheet objectives.
• Accountable for P&L delivery and portfolio optimization including active pricing and margin management to optimize balance sheet performance.
• Owns end-to-end customer journey across all cards & unsecured lending products, work with digital (local and global), operations, IT and servicing teams to enhance customer experience and improve sales efficiency.
• Lead and develop an effective team through communication, performance management, career development plans and reward/recognition practices.
• Execute Asia Cards competency development framework in the market team, developing top talent in the industry.
• Ensure Cards and Loans related processes comply with local regulations, HSBC group policies/FIMs, and internal procedures
• Compliance with regulatory procedures, also meeting all cross-border requirements.
• Increase our credit card market shares in terms of number of customers.
• Deliver portfolio performance and develop and maintain a market leading set of credit card propositions.

• Minimum of ten years proven banking experience including a minimum of four years proven senior management experience or equivalent. Local market knowledge and experience is preferred.
• Minimum of a bachelor’s degree in marketing, business, related field, or equivalent experience.
• Strong managerial, planning, analytical, communications, decision-making, lateral thinking, influencing, interpersonal and project management skills.
• Thorough understanding of customer segmentation and management techniques, as well as the businesses and products supported and the regulations impacting them.
• Proven track record of communicating effectively within the organization and with customer groups.
• Ability to work in a team-oriented environment and effectively influence and communicate across various business lines at senior levels within the organization.
• Knowledge of the organization and its products, processes and pertinent regulations affecting their delivery.
• Strong knowledge of the customer service concept and its impact on customer relationships.
• Strong ability to credibly interact with senior management.

Subject to local laws, this will require the individual to satisfactorily pass a series of additional checks as part of the recruitment process and on an ongoing basis, if appointed to the role. HSBC Group reserves its position with regard to any steps which it may take in relation to any material adverse findings which arise either when the checks are originally completed, and/or if relevant, on an ongoing basis. For more information about the enhanced vetting for this role please contact the recruiter for this role.

Opening up a world of opportunity.

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Issued by HSBC Bank Malaysia Berhad