Industrial and Commercial Bank of China (Asia) Limited (“ICBC (Asia)”) is the flagship of overseas business of Industrial and Commercial Bank of China Limited (“ICBC”) – currently the largest commercial bank in China, and it is one of the domestic systemically important banks (D-SIBs) in Hong Kong. Currently, ICBC (Asia) has 52 retail outlets (including 27 “Elite Club” Wealth Management Centres) in Hong Kong. It is engaged in commercial banking, investment banking and other financial services, including those of securities, insurance and funds, with a focus on commercial and retail banking as well as global market business. Chinese Mercantile Bank and ICBC Asset Management (Global) Company Limited, two wholly-owned subsidiaries of ICBC (Asia), specialize in Renminbi services in mainland China and ICBC’s global asset management business respectively.Resonsibilities1.Strategy Development & ExecutionDevelop and execute growth strategies for personal lending products (unsecured installment loans, card-based cash advances/loans).Identify key growth drivers (e.g., customer acquisition, product innovation, channel optimization, pricing) and implement targeted business plans.Own core KPIs: Drive performance on loan interest income, installment loan disbursement volume, interest-bearing loan balance, and total loan portfolio balance.2.Product Strategy & Marketing LeadershipLead end-to-end product strategies for lending products (e.g., feature enhancements, lifecycle management).Design customer segmentation models and personalized pricing strategies to maximize profitability.Develop innovative loan solutions and go-to-market campaigns for niche segments.3.Digital Transformation & Customer ExperienceChampion digital initiatives: Optimize digital loan application journeys, enhance e-channel onboarding, and deploy digital-exclusive incentive programs.Increase digital channel contribution to overall loan business volume.Ensure seamless end-to-end customer experiences.4.Data-Driven Decision MakingCollaborate with analytics teams to define high-potential customer segments and conduct portfolio analysis (risk, revenue, behavior).Leverage big data for precision marketing, risk-based pricing, and product design.5.Multi-Channel Sales ManagementCoordinate sales channels (branches, inbound/outbound call centers, digital platforms) to align strategies with business goals.Monitor channel performance (conversion rates, efficiency) and optimize resource allocation.6.Market Intelligence & CompetitionTrack market trends, regulatory changes, and competitor activities (product launches, pricing, promotions).Identify opportunities/threats and formulate countermeasures to enhance market share.7.Cross-Functional CollaborationPartner with stakeholders (Risk, Operations, Compliance, Finance, IT, Marketing) to ensure timely delivery of integrated programs.QualificationsBachelor’s degree or higher.5+ years in banking/finance, with experience in unsecured lending/personal loans.Proven team leadership skills with a results-driven mindset.Experience in building teams or managing high-growth portfolios.Digital-first mindset and passion for data-driven optimization.Local market knowledge and client network in the region.Strong ownership, attention to detail, and self-motivation.Familiarity with regulatory frameworks for consumer lending.Excellent command of English and Chinese (written/spoken).Proficiency in MS Office/Chinese word processing tools.Agile project management capabilities.Interested parties, please click "Apply Now" for application.Personal data collected will be used for recruitment purpose only.