About this Product Lead – Retail SME Deposits & Ecosystems role at Hong Leong Bank
If you are looking to excel and make a difference, take a closer look at us…
Key Responsibilities
- Non-Individual CASA & Product Strategy: Define and execute the product roadmap for business operating accounts, foreign currency vendor settlements, and cash management solutions tailored for micro-SMEs and growing commercial entities.
- Digital Onboarding & Straight-Through Processing (STP): Own the digital application funnel for business entities (instant SSM/BRN registry checks, e-KYC), identifying drop-off bottlenecks to maximize conversion rates and reduce turnaround times.
- Merchant Acquiring & Ecosystem Synergies: Partner with Merchant Acquiring teams to position our CASA products as the primary daily settlement account for POS terminals, DuitNow QR merchants, and e-commerce platforms.
- Channel Performance & Quality Auditing: Utilize cohort analytics, initial balance funding rates, and 60-day transaction velocity to optimize sourcing channels (direct deposit sales forces, branch networks, and digital partner funnels).
- Liquidity & Retention Programs: Leverage merchant cash flow analytics to design targeted float-building propositions, including supplier payment tools, ad-spend cash-back incentives via business debit cards, and tiered operating yield features.
- Cross-Functional Collaboration & Governance: Work closely with Compliance, Operations, Digital Banking, and Marketing to ensure strict adherence to BNM regulations, AML/KYC standards, and company statutory governance.
What We Are Looking For
- Education: Bachelor’s Degree in Business Administration, Banking, Finance, Economics, Statistics, or a related discipline.
- Experience: 6–10+ years of product management, channel strategy, or commercial portfolio management experience in Retail SME Banking, Business CASA, or Merchant Payments / Cash Management.
- Business Onboarding Knowledge: Strong understanding of non-individual business structures, SSM registry verification, company secretary documentation, and corporate KYC/AML requirements.
- Analytical Literacy: Demonstrated ability to work with funnel analytics, merchant settlement streams, and sales conversion metrics to drive commercial balance growth.
- Ecosystem & Design Thinking: Proven track record of collaborating with merchant acquiring teams, digital marketplaces, or fintech platforms to translate everyday business pain points into intuitive banking features.
About Hong Leong Bank
We are a leading financial institution in Malaysia backed by a century of entrepreneurial heritage. Providing comprehensive financial services guided by a Digital-at-the-Core ethos has earned us industry recognition and accolades for our innovative approach in making banking simpler and more effortless for our customers. Our digital and physical offerings span across a vast nationwide network in Malaysia, strengthened with an expanding regional presence in Singapore, Hong Kong, Vietnam, Cambodia, and China.
We seek to strike a balance between diversity, inclusion and merit to achieve our mission of infusing diversity in thinking and skillsets into our organisation. Candidates are assessed based on merit and potential, in line with our mission to attract and recruit the best talent available. Expanding on our “Digital at the Core” ethos, we are progressively digitising the employee journey and experience to provide a strong foundation for our people to drive life-long learning, achieve their career aspirations and grow talent from within our organisation.
Realise your full potential at Hong Leong Bank by applying now.
