MD – Portfolio Management for Credit Cards, Unsecured Lending and Education Loans Head

As Singapore's longest established bank, we have been dedicated to enabling individuals and businesses to achieve their aspirations since 1932. How? By taking the time to truly understand people. From there, we provide support, services, solutions, and career paths that meet their individual needs and desires.

 Today, we're on a journey of transformation. Leveraging technology and creativity to become a future-ready learning organisation. But for all that change, our strategic ambition is consistently clear and bold, which is to be Asia's leading financial services partner for a sustainable future.

 We invite you to build the bank of the future. Innovate the way we deliver financial services. Work in friendly, supportive teams. Build lasting value in your community. Help people grow their assets, business, and investments. Take your learning as far as you can. Or simply enjoy a vibrant, future-ready career.

Your Opportunity Starts Here.

This is the broad job description of the job profile. Definitive job description should be reviewed and discussed between you and your manager.

Portfolio Management

Why Join
As a Portfolio Manager at OCBC, you'll have the opportunity to make a real impact on our customers' financial lives. You'll work closely with them to understand their goals and aspirations, and develop tailored investment strategies to help them achieve success. It's a challenging and rewarding role that requires a unique blend of technical expertise and interpersonal skills.

Role Overview

We are seeking a strategic and seasoned Portfolio Management Head at OCBC who will be responsible for overseeing portfolio management activities for Credit cards, Unsecured Lending and also managing Education loans. This role is critical in designing end to end portfolio activities to drive portfolio sales and programs related to interest bearing balances, including Balance transfer and Cash on Instalments sales, Revolving balances, Credit limit management and also, managing products such as Easi Credit and Education loans .

The person will be responsible in driving digitalization for these portfolio management activities and products, and will be required to optimize the channel productivity and revenue.  The Portfolio Management Head Head is also responsible for managing the business and profitability drivers across the portfolio mananagement and sales programs. It is also critical and necessary for the Portfolio Management Head work closely with the Direct/ Telesales Head and our frontliners, to optimize analog volumes, revenues and productivity.

This will be a leadership role, leading a team of portfolio managers and team leads, working together to grow portfolio sales, revenue across digital and analog channels throughout the customer lifecycle and to manage program profitability. This role will be required to manage the end-to-end product lifecycle of the unsecured lending product, Easi Credit and also Education loans. The Portfolio Management Head will report to the Head of Cards and Unsecured Lending directly.

Key Responsibilities

• To lead and drive portfolio management sales and programs for Credit Cards, Unsecured lending which will cover Balance transfer and Cash on Instalments sales, Revolving balances, Credit limit management
• To lead in the end-to-end management, development and delivery of products for Easi Credit and Education loans with clear ownership of product strategy, digital customer journey, and program management and the products' portfolio performance
• Identify, design, and optimize portfolio management programs that will deliver sales volumes, increase interest bearing market share and revenue across both digital and analog channels
• Drive full P&L accountability, with a sharp focus on revenue growth, cost management, risk optimization, and long-term profitability for the products and programs
• Enhance our customer experience by actively identifying pain points, championing customer feedback, and driving service improvement initiatives
• Embrace digital solutions and innovation to streamline onboarding, deepen customer engagement, and to improve product delivery, and servicing
• Collaborate across internal teams (e.g., digital, marketing, analytics, risk and compliance, technology, operations) and external partners (e.g., merchants, schemes, service providers) to ensure timely and effective program or project delivery
• Navigate complex stakeholder environment with professionalism and influence, including senior-level interactions across functions
• Monitor market and competitive trends to identify gaps and opportunities with agility and creativity
• Support and drive industry compliance projects to ensure OCBC meets industry standards and develop best -in class customer experiences
• Lead a team of product managers to work towards achieving collective goals, and also to coach and mentor them

Qualifications & Skill sets

• Bachelor's degree in Finance, Business Administration and Management, or a related field.
• Proven track record in cards and unsecured lending products and portfolio management roles with at least 12-15 years of experience.
• Strong understanding of the cards and unsecured lending landscape and its regulatory environment
• Excellent analytical and problem-solving skills
• Strong communication and presentation skills, and ability to negotiate and influence
• Ability to work independently and collaboratively with all key stakeholders across seniorities (external or internal)
• Providing direction, guidance to team and invest in talent development
• Passionate about customer experience with a demonstrated ability to drive service improvements and customer satisfaction metrics
• Digitally savvy with a strong appreciation for technology, innovation and digital product enablement and hands on approach towards design, testing and implementation
• Resilient, detail-oriented, and comfortable working in fast-paced, high-pressure environments
• Positive risk and control mindset

Who We Are
As Singapore's longest established bank, we have been dedicated to enabling individuals and businesses to achieve their aspirations since 1932. How? By taking the time to truly understand people. From there, we provide support, services, solutions, and career paths that meet their individual needs and desires.

Today, we're on a journey of transformation. Leveraging technology and creativity to become a future-ready learning organisation.
But for all that change, our strategic ambition is consistently clear and bold, which is to be Asia's leading financial services partner for a sustainable future.

We invite you to build the bank of the future. Innovate the way we deliver financial services. Work in friendly, supportive teams. Build lasting value in your community. Help people grow their assets, business, and investments. Take your learning as far as you can. Or simply enjoy a vibrant, future-ready career. Your Opportunity Starts Here.

What we offer
Competitive base salary. A suite of holistic, flexible benefits to suit every lifestyle. Community initiatives. Industry-leading learning and professional development opportunities. Equal opportunity. Fair employment. Selection based on ability and fit with our culture and values. Your wellbeing, growth and aspirations are every bit as cared for as the needs of our customers.

Competitive base salary. A suite of holistic, flexible benefits to suit every lifestyle. Community initiatives. Industry-leading learning and professional development opportunities. Your wellbeing, growth and aspirations are every bit as cared for as the needs of our customers.