Product Manager

3 days ago


Kowloon, Hong Kong SAR China PAO Bank Limited Full time

We are looking for a strategic and experienced Product Manager – Secured Lending to lead the development, enhancement, and management of secured lending products, with a focus on premium financing, policy financing, and broader wealth-backed lending propositions. This role is critical in supporting our affluent and high‑net‑worth clients by delivering tailored financing solutions against high-value assets including insurance policies, deposits, and investment portfolios. Key Responsibilities Own the end-to-end lifecycle of secured lending products including premium financing, policy financing, investment-backed lending, and deposit-backed loans. Develop and optimize lending propositions catering to affluent and high-net-worth clients, in alignment with client needs and market opportunities. Design competitive product structures including credit terms, margining rules, repayment features, and collateral eligibility. Champion automation, digital servicing, and process improvements to enhance customer experience. Lead product roadmap, enhancements, and campaign planning to drive lending growth and wallet share. Collaborate with credit risk, legal, and compliance teams to ensure sound credit policy, risk-adjusted returns, and full regulatory compliance (e.g. SFC, HKMA). Requirements Bachelor’s degree in Business, Finance, or related field 5+ years of experience in banking, with specific exposure to premium financing, policy financing, or wealth lending Strong understanding of life insurance financing structures, portfolio lending, and regulatory capital treatment Familiar with HKMA/SFC guidelines related to margin lending and policy assignment Senior Manager, Marketing & Brand ManagementPricerite Home LimitedKowloon Bay, Kwun Tong District, HK10d ago #J-18808-Ljbffr


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