Managing Director, Head of Products- Deposits and Mortgages

Standard Chartered Bank • Full Time • Kwun Tong, Hong Kong, HK • 1d ago

Job Summary

We are seeking a highly experienced Managing Director to lead the Deposits and Mortgage product portfolios within our Wealth & Retail Banking (WRB) division in Hong Kong. This pivotal role requires a strategic visionary to drive sustainable growth, strengthen profitability, and cement market leadership in alignment with both global and Hong Kong WRB strategies.

You will own end-to-end product management responsibilities encompassing strategy formulation, innovative pricing, governance, and rigorous performance oversight. Working cross-functionally, you will collaborate closely with segmentation, distribution, digital innovation, and risk teams to curate integrated, customer-centric propositions that elevate the client experience and meet evolving market demands.

Strategic Leadership

• Formulate and champion a robust Balance Sheet Strategy for deposits and mortgage products consistent with projected interest rate trajectories and regulatory expectations.
• Drive profit maximisation by optimising product mix, pricing, and customer acquisition/retention strategies without compromising market share.
• Implement agile business plans that can quickly adapt to shifting liquidity conditions and market uncertainties, ensuring sustained financial health.
• Define and deliver digital transformation and automation agendas aligned with current market trends and customer expectations, particularly focusing on customer journeys enhancement and operational efficiency.
• Foster a culture of excellence by ensuring the team organisation is optimally structured to execute the strategic plan effectively and responsively.

Key Responsibilities

Business Responsibilities
• Achieve and exceed total balance and revenue targets in harmony with Hong Kong and Group WRB objectives.
• Strategically navigate interest rate cycles to optimise product portfolios while maintaining compliance with BASEL III standards, managing P&L impacts, and safeguarding balance sheet stability.
• Collaborate with stakeholders to establish competitive, profit-driven transfer pricing policies that support product viability and customer appeal.
• Deepen relationships with affluent market segments by delivering differentiated, service-focused experiences that drive loyalty and business growth.
• Leverage data analytics, customer segmentation, and pricing experimentation to refine marketing precision and improve cross-sell/up-sell success rates.
• Foster strong coordination with distribution channels to align front-line activity with business objectives and ensure effective target setting and incentivisation.
• Partner closely with credit risk teams to balance stringent underwriting standards with market competitiveness, ensuring sound risk management without obstructing business opportunities.
• Champion innovations that capitalise on international banking prospects and embed sustainability principles within deposit and mortgage product development.
• Drive end-to-end process improvements by identifying operational bottlenecks impacting frontline effectiveness and deploying automation or simplification solutions to enhance efficiency.

Process Excellence
• Deliver seamless client-centric experiences across human, digital, and hybrid channels, ensuring processes are intuitive, transparent, and efficient.
• Lead rigorous complaint management practices including root cause analysis and resolution, with a focus on identifying and addressing systemic issues, particularly those related to technology platforms.
• Ensure timely delivery and accuracy of client journeys, marketing scripts, and product offerings, supported by robust operating infrastructures.
• Foster an agile mindset across teams to rapidly adapt to changing market dynamics and continuously improve product and process delivery.

Skills and Experience

Candidates should bring a comprehensive understanding and proven expertise in several critical areas:

In-depth knowledge of Mortgage Market Dynamics, including regulatory frameworks, customer behaviour, and competitive landscape influencing product design.
Thorough understanding of Retail Deposit Market Dynamics, with an emphasis on customer segmentation, pricing sensitivities, and market trends.
Expertise in Liquidity Management, Operational Risk, and Market Risk, ensuring all product strategies are developed within a robust risk management framework.
Comprehensive insight into Credit Risk considerations and compliance requirements specific to mortgage lending.
Strong financial acumen encompassing P&L management, balance sheet drivers, and revenue/cost/risk interrelations relevant to mortgage and deposit portfolios.
Practical knowledge of operational workflows and risk exposure associated with deposits and mortgage products, facilitating efficient and compliant process implementation.

Qualifications

Educational Background: A degree in business management, finance, accounting, or banking is required, preferably supplemented by professional qualifications such as ACCA, CFA, or equivalent.

Professional Development: Commitment to continuous development as agreed with management, including relevant training programs focused on leadership, product innovation, and risk management.

Licenses and Certifications: Holding professional certificates in banking, finance, or accountancy is highly advantageous.

Memberships: Desirable to have memberships with professional bodies such as the Institute of Chartered Accountants or the CFA Institute.

Language Proficiency: Fluency in English is essential for effective communication within a global banking environment.

What we offer

In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
Flexible working options based around home and office locations, with flexible working patterns.
Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.

www.sc.com/careers

Similar Jobs

Assistant Manager/ Senior Accountant (For US PCAOB engagements)

Gary Cheng CPA Limited • Full Time • Kwun Tong, Hong Kong, HK • 1d ago

Accounting / Audit Full Time

1-3 years of US GAAP/ IPO/ annual audits experience 5 days work, Discretionary Bonus, Exam/Study Leave Friendly working environment Responsibilities: Participate in audits for US-listed companies, including IPOs, 10-Q, a...

1d ago

Apply

Graduate Auditor

Gary Cheng CPA Limited • Full Time • Kwun Tong, Hong Kong, HK • 1d ago

Accounting / Audit Full Time

2025/ 2026 graduates in Accounting major Join our Listed Com/ IPO/ Private Co Team; Competitive packages Fast career path to top performer You will need to do: Participate in listed company and private company engagement...

1d ago

Apply

Accountant

Green Light Multiplex Company Limited • Full Time • Kwun Tong, Hong Kong, HK • HK$ 24,000 - HK$ 27,000 / month • 2d ago

Accounting / Audit Full Time

14+ AL, medical, DB Kwun Tong, 5-day work Friendly vibe, good work exposure Responsibilities: Responsible for handling full set account for month end and year end closing and monitor daily account operation (include main...

2d ago

Apply

ACCOUNTING CLERK

Macnica Cytech Limited • Full Time • Kwun Tong, Hong Kong, HK • 2d ago

Accounting / Audit Full Time

5-days work, Medical Dental, Medical check-up Double Pay ACCOUNTING / ACCOUNTANT skills ACCOUNTING CLERK Responsibilities: Support day-to-day accounting operation including data input and document filing; Handle Accounts...

2d ago

Apply

Senior Auditor (Listed Co Team)

Gary Cheng CPA Limited • Full Time • Kwun Tong, Hong Kong, HK • 2d ago

Accounting / Audit Full Time

3 years experience in audit with listed co exp is an advantage 5 days work, Discretionary Bonus, Exam/Study Leave Competitive package for the right candidate You will need to do: Lead engagement team to handle listed com...

2d ago

Apply

ACCOUNTANT / SENIOR ACCOUNTING OFFICER (28K-32K X 13) - HK listed fashion accessories manufacturing group (Kwun Tong/5 days)

JPC TEXSON LTD • Full Time • Kwun Tong, Hong Kong, HK • 3d ago

Accounting / Audit Finance Accounting Full Time

Company Overview HK listed company We are a world-leading manufacturing group specializing in fashion accessories, with a global footprint spanning Hong Kong, China, and Southeast Asia. Headquartered in Hong Kong, we ser...

3d ago

Apply

Credit Analyst, Medium Enterprises

Standard Chartered Bank • Full Time • Kwun Tong, Hong Kong, HK • 6d ago

Accounting / Audit Full Time

Job Summary As a Credit Analyst, Medium Enterprise in SME Banking, you’ll be responsible for collaborating with frontline sales staff including Sales Team Heads and Relationship Managers (RMs) in providing proactive acco...

6d ago

Apply

會計助理

Olive Nursing Home • Full Time • Kwun Tong, Hong Kong, HK • HK$ 15,000 - HK$ 16,000 / month • 6d ago

Accounting / Audit Full Time

星期一至五 09:00 - 18:00上班 10 - 17天有薪年假良好工作環境工作地點: 荔枝角及觀塘工作日子及時間: 星期一至五 09:00 - 18:00 工作內容: - 負責院舍的日常財務記賬及審核及收付賬款管理 - 整理各類會計記錄、文件整理及歸檔如賬單...

6d ago

Apply

Director Finance

adidas • Full Time • Kwun Tong District, HK • 1w ago

Accounting / Audit Full Time

Purpose & Overall Relevance For The Organization Enable the development of the business strategies and operations of the respective Market. Continuously identify and recommend all necessary actions to improve the fin...

1w ago

Apply

Specialist, Finance Operations (Clerk/Admin)

adidas • Full Time • Kwun Tong District, HK • 1w ago

Accounting / Audit Finance Accounting Full Time

Intercompany Transactions Prepare transfer pricing calculations for intercompany stock transfers in compliance with internal policies Process and manage intercompany recharges accurately and on a timely basis Reporting &...

1w ago

Apply