Head of Portfolio Optimization, Lending, HSBC

HSBC

Location:
Hong Kong, Central

Category:
Banking

Contract Type:
Not provided

Salary:

Not provided

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Job Description:

Head of Portfolio Optimization role within International Wealth and Premier Banking, serving 41 million customers globally, including 6.7 million international customers from retail to ultra high net worth individuals. Focus on driving portfolio profitability and optimizing lending strategies across global markets.

Job Responsibility:

Drive portfolio profitability: Lead strategies to optimise growth of interest-bearing balances, margins, and profitability across IWPB markets, ensuring sustainable value creation
Shape strategic delivery: Steer Project Elevate's portfolio management workstreams, aligning global, regional, and country stakeholders to deliver measurable outcomes
Optimise risk–reward trade-offs: Collaborate with business, credit risk, and fraud risk teams to refine policies, decisioning frameworks, and authorization parameters — Balancing portfolio quality with improved approval and utilisation rates
Harness data & technology: Partner with Data & Analytics and digital teams to enhance segmentation, decisioning models, and predictive analytics for sharper portfolio actions
Accelerate commercialisation: Work with country teams to refine credit line increase, balance build, and pricing strategies, ensuring initiatives translate into profitable, customer-centric growth
Provide thought leadership: Influence senior stakeholders and embed portfolio optimisation as a core discipline across IWPB, while ensuring compliance with regulatory standards

Requirements:

Deep expertise in retail lending products and lifecycle management, with proven success in portfolio optimization
Strong grasp of credit and fraud risk concepts, including risk–reward frameworks, policy design, and decisioning
Demonstrated ability to use data-driven insights, digital tools, and advanced analytics to unlock portfolio growth opportunities
Track record of designing customer-centric strategies that drive both profitability and loyalty
Skilled at navigating regulatory requirements across diverse markets while delivering business outcomes
Exceptional senior stakeholder management and influence skills, with the cultural agility to work across global teams

What we offer:

Continuous professional development
Flexible working
Opportunities to grow within an inclusive and diverse environment

Additional Information:

Job Posted:
September 16, 2025

Expiration:
September 23, 2025

Employment Type:

Fulltime

Work Type:

Hybrid work

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Head of Portfolio Optimization, Lending

HSBC

Location:Hong Kong, Central

Category:Banking

Contract Type:Not provided