Product Manager (Unsecured Loans)

Job Description:

1. Work with stakeholders to roll out tactical campaigns with good understanding of portfolio customer behavior
2. Think out of the box to devise mechanics to excite and activate existing base
3. Develop & maintain communication materials & marketing calendar planning
4. Attend to product inquiries and work with operations & technical teams to close any outstanding matters
5. Regularly conduct competitors’ analysis to review existing product features and identify new areas of improvements for product
6. Tap on digital channels, formulate and execute acquisition campaigns to attract new signups
7. Fine tune and further digitize application channels & processes
8. Work with external digital partners to create awareness and onboard
9. Formulate and execute usage campaigns via digital channels to entice usage from new to bank customers
10. Formulate and execute activation campaign to activate dormant customers, maintaining a healthy ratio of active customers
11. Look for opportunities to streamline cost
12. Propose pricing & promotional campaign mechanics
13. Nimble price benchmarking to market and cost change
14. Monitor NIM of unsecured line of credit and price reasonably to ensure business maintains its profitability
15. Work with stakeholders to review & ensure compliance to MAS lending limits.
16. Attend to inquiries on customers affected by regulatory lending limits

Requirements:

1. Degree in Banking/Finance/Business Administration or equivalent with at least 3-5 years of experience in unsecured lending
2. Understanding of key business drivers and competitive trends in the unsecured lending market
3. Analytical and possess strategic thinking skills, leveraging on data for product roadmap formulation
4. Business acumen with ability to review alternate courses of action and comprehend trade off decisions
5. Good stakeholder management skills and able to collaborate and work well within a team.
6. Self-starter and has strong interpersonal skills
7. Strong presentation skills both written and oral
8. Excellent communication & influencing skills

* Please note that only shortlisted candidates will be notified.