Job Description

Key Responsibilities

1. Product Development & Maintenance

• Lead the design, enhancement, and lifecycle management of Private Banking credit products.
• Conduct market benchmarking to identify product gaps, enhancement opportunities, and innovation initiatives.
• Develop and maintain product documentation, including term sheets, operational workflows, and pricing frameworks.
• Manage product governance activities, including periodic product reviews, risk assessments, and policy updates.

2. Product Strategy

• Define and drive short‑ to long‑term product strategies aligned with business growth priorities and client needs.
• Analyze portfolio performance, client usage patterns, market trends, and competitive insights to guide product direction.
• Recommend strategic initiatives to enhance product profitability, risk‑adjusted returns, and client penetration.
• Collaborate with senior management to develop product roadmaps, business cases, and investment proposals.

3. End‑to‑End Process Optimization

• Map, evaluate, and streamline credit product processes from initiation to fulfilment, ensuring efficiency, scalability, and robust controls.
• Partner with Operations, Technology, Credit Risk, and Front Office teams to redesign workflows, automate manual processes, and reduce turnaround times.
• Drive digital and process transformation initiatives, including document simplification, straight‑through processing, and system enhancements.
• Establish, monitor, and report key process indicators to track performance and identify areas for improvement.

4. Regulatory & Policy Adherence

• Ensure all credit products and processes comply with applicable regulatory guidelines, internal credit policies, and risk frameworks.
• Coordinate product approvals through internal governance forums, risk committees, and senior management reviews.
• Work closely with Compliance and Legal to assess regulatory changes and translate new requirements into updated product standards.
• Maintain comprehensive product documentation, governance logs, and audit‑ready records.