Responsibilities
JOB DESCRIPTION
Strategic Portfolio Management & Growth
- Develop and execute growth strategies for Singapore mortgages and Overseas Property Financing portfolios to drive sustainable balance growth, profitability, and customer acquisition.
- Analyze market trends, interest rate movements, property market dynamics, customer behavior, and competitive developments across Singapore and key overseas markets to identify growth opportunities and inform business strategies.
- Formulate and implement portfolio retention, repricing, and customer lifecycle management initiatives to enhance customer loyalty, reduce attrition, and maximize portfolio profitability.
- Monitor and optimize key portfolio performance metrics, including balances, acquisition, retention, attrition, margins, and risk-adjusted returns.
- Support business planning and execution to achieve portfolio growth, revenue, and profitability targets.
Product Development & Management
- Lead the end-to-end lifecycle management of Singapore mortgage and Overseas Property Financing products, from concept development and business case preparation through launch, enhancement, and ongoing optimisation.
- Design and enhance mortgage propositions to address evolving customer needs, improve customer experience, and strengthen market competitiveness.
- Develop and execute targeted acquisition campaigns, pricing strategies, promotional initiatives, and customer engagement programmes in partnership with Sales, Marketing, and external partners.
- Conduct ongoing market intelligence and competitor benchmarking to ensure product offerings remain relevant, differentiated, and commercially attractive.
- Drive digitalisation and process improvement initiatives to enhance customer journeys, operational efficiency, and turnaround times.
Portfolio Analytics & Performance Management
- Develop and maintain portfolio analytics, management information reporting, and performance dashboards to support strategic decision-making.
- Analyse portfolio trends, customer segments, campaign effectiveness, and profitability drivers to identify growth and optimisation opportunities.
- Generate actionable insights and recommendations to improve portfolio performance, customer retention, pricing effectiveness, and business profitability.
- Prepare portfolio reviews, business cases, and management reports.
Governance, Risk & Stakeholder Management
- Ensure all mortgage product and portfolio initiatives comply with regulatory requirements, internal policies, and governance standards.
- Partner closely with Credit, Risk, Compliance, Legal, Operations, Finance, and Technology teams to deliver strategic initiatives and product enhancements.
- Support product approval processes, legal documentation reviews, policy updates, and implementation of regulatory changes.
- Manage relationships with external stakeholders including MAS, CPF Board, HDB, legal firms, valuers and other key partners.
- Represent the business in industry forums and stakeholder engagements relating to mortgage and overseas property financing matters.
- Act as a subject matter expert on Singapore mortgages and Overseas Property Financing, providing guidance to internal stakeholders and business partners.
Requirements
Qualifications
Relevant Work Experience
- At least 6 to 8 years of relevant Mortgage Product Management experience
Technical/Functional Skills
- Good knowledge of Mortgage business
Personal Skills (Soft Competencies)
- Good communication and presentation skills
- Dependable and meticulous team player with an eye for detail
- Results oriented with strong stakeholder management skills
