Job ref no.: CT3116068-01#0028
Hang Seng Bank Limited

Manager, Personal Instalment Loan

Hang Seng Bank Limited

Consumer Assets- Personal Lending Department

Hang Seng's Personal Lending business offers a full spectrum of personal loan products and services to customers, including Installment Loan, Tax Loan, Revolving Loan and overdraft.

Our team develops product strategy, product propositions and pricing strategy for unsecured personal lending products while providing business direction to aggressively grow the product portfolio.

With growing business, we are currently seeking high caliber professionals to join our department as Manager, Personal Instalment Loan.


Principal Responsibilities

  • Responsible for overall performance, profitability and operation efficiency of Personal Instalment Loan.
  • Formulate acquisition and portfolio programs to maximize profitability, business growth and market share.
  • Perform market and portfolio analysis for formulating business strategies. 
  • Design pricing strategies and marketing offers for different products, according to customer segments and credit profile to maximize the risk adjusted return.
  • Monitor credit performance and liaise with Credit to review credit policies and underwriting process.
  • Liaise with different sales channels and operations to develop efficient and effective sales and operating workflows.
  • Work with different channels including telesales and digital banking to drive business from new customers and boost cross selling opportunities from existing customer base.  Monitor the performance of sales channels and evaluate programs results.
  • Drive product development and system enhancement projects to enhance product features, improve customer journey and comply with regulatory requirements.



  • University degree in a related discipline or other relevant qualifications
  • Minimum of 5 years’ retail banking experience, with exposure to consumer lending an advantage
  • Strong product development and project management skills
  • Strong team orientation, with good communication and interpersonal skills
  • Proficiency in both English and Chinese
  • Great sense of ownership and servicing mindset to ensure efficient and effective customer service processes.


All information provided by applicants will be used only for recruitment purposes and will be used strictly in accordance with the Bank's personal data policies, a copy of which may be obtained by the applicant upon request. Unless otherwise instructed in writing by the applicant concerned, applicants may be considered for other suitable positions within the Bank and its related companies. The personal data of unsuccessful job applicants may be retained for a maximum of two years from the date when the job application is rejected and such data may be retained for a longer period if there is a subsisting reason that obliges the Bank to do so, after which the personal data will be destroyed.

More job information
Job ref no. CT3116068-01#0028
  • 8,000 - 18,000 / month
Job Function
Employment Term
  • Permanent
  • Full-time
  • 5 years - 20 years or above
Career Level
  • Middle management level
  • Degree