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Citi Commercial Bank (CCB) in Hong Kong is seeking a highly experienced and dynamic individual to lead a critical new segment focused on Core Clients, medium sized enterprises with cross border linkages, and those requiring high-volume, digitally-led portfolio coverage. This role is pivotal in driving growth, expanding market share, and enhancing client engagement within a fast-evolving corporate landscape. The Head of Core Segment will be responsible for defining and executing the strategic vision for this portfolio, leveraging digital solutions for efficient acquisition and scalable relationship management, while ensuring a superior client experience. This role reports to the Head of Citi Commercial Bank, Hong Kong.
Job Responsibility
Develop and articulate a clear strategic roadmap for the segment, aligning with CCB's overall growth objectives
Oversee the management and performance of a high-volume client portfolio, focusing on revenue generation, profitability, and risk mitigation
Lead a high-performing team of banking professionals focused on digital sales, relationship management, and credit analysis
Lead efforts to identify, acquire, and grow relationships, including startups, high-growth companies, and digitally native businesses
Identify market opportunities, emerging trends, and competitive landscape to position Citi as the preferred banking partner for these client types
Manage the segment's P&L and return, including revenue targets, expense management, and capital allocation
Ensure effective collaboration with internal stakeholders across credit, product and operations
Collaborate with product teams to tailor and develop innovative banking solutions (e.g., cash management, trade finance, lending, FX) that meet the specific needs of clients
Drive innovation in digital client acquisition, onboarding, and servicing models to achieve high-volume scalability
Implement data-driven strategies for targeted client outreach and portfolio expansion
Champion digital channels and platforms as primary mechanisms for client engagement and service delivery
Develop and implement scalable coverage models that balance digital efficiency with targeted human interaction for complex client needs
Monitor portfolio health, identify early warning signals, and implement corrective actions as necessary
Advocate for enhancements to digital platforms and tools to improve client experience and operational efficiency
Foster a culture of innovation, client-centricity, and continuous improvement
Ensure adherence to all regulatory requirements, internal policies, and risk management frameworks
Implement robust controls to manage credit, operational, and reputational risks inherent in serving high-volume client segments
Maintain a strong understanding of the evolving regulatory landscape
Requirements
Minimum of 15+ years of experience in commercial banking, corporate banking, or a related financial services role, with a strong focus on strategy, business development, and portfolio management
Proven and strong track record of successfully managing and leading teams through complex change
a reputation for retaining, attracting and developing talent
Proven track record of success in leading and growing client segments
Demonstrated experience in managing significant P&L responsibilities and driving financial performance
Ability to influence and collaborate effectively across all levels of the organization
Exceptional ability to formulate and execute strategic plans for market penetration and growth
Significant experience with commercial credit decision making authority, with experience in complex capital structures and cross border transactions
Strong financial analytical skills and understanding of corporate finance, credit risk, and product profitability
Minimum intermediate level credit skills with the capability to demonstrate advanced level credit skills to be appointed a senior credit officer
Extensive experience in developing and implementing digital strategies for client acquisition, engagement, and service delivery
Deep understanding of digital banking trends, technologies, and innovative solutions for client engagement and operational efficiency
Demonstrated commitment to understanding and serving client needs, with a track record of building strong client relationships
Proven leadership ability with excellent interpersonal communication skills
Excellent verbal and written communication skills, with the ability to articulate complex ideas clearly and persuasively
Ability to thrive in a fast-paced, evolving environment and effectively manage change
Strong analytical and problem-solving skills, with a proactive approach to identifying and addressing challenges
Full management responsibility of a team, which may include management of people, budget and planning, to include duties such as performance evaluation, compensation, hiring, disciplinary and terminations and may include budget approval
Fluent in Mandarin
Bachelor's degree required, MBA or advanced degree in Finance, Business, or a related field preferred