Company: 1011 United Overseas Bank Ltd

About UOB

United Overseas Bank Limited (UOB) is a leading bank in Asia with a global network of more than 500 branches and offices in 19 countries and territories in Asia Pacific, Europe and North America. In Asia, we operate through our head office in Singapore and banking subsidiaries in China, Indonesia, Malaysia and Thailand, as well as branches and offices. Our history spans more than 80 years. Over this time, we have been guided by our values - Honorable, Enterprising, United and Committed. This means we always strive to do what is right, build for the future, work as one team and pursue long-term success. It is how we work, consistently, be it towards the company, our colleagues or our customers.

Job Description

Product & Portfolio Management

• Manage overall portfolio performance across:
  • Acquisition
  • Usage
  • Profitability
  • Portfolio quality
• Develop and implement product strategies and growth initiatives.
• Identify opportunities for product enhancement and market expansion.
• Monitor market trends, customer behavior, and competitor activities.
• Lead product lifecycle management including pricing, campaigns, features, and process improvements.

Strategic Decisioning & Analytics

• Analyze portfolio trends and business performance to support strategic decision-making.
• Drive data-driven initiatives to optimize portfolio growth and profitability.
• Build business cases and profitability assessments for campaigns and new initiatives.
• Balance business growth objectives with risk and compliance considerations.
• Track campaign and portfolio performance through regular reporting and analytics.

Stakeholder Management

• Work closely with internal stakeholders including:
  • Risk Management
  • Compliance
  • Legal
  • Operations
  • Technology
  • Finance
  • Analytics
  • Marketing
  • Digital
  • Sales teams
• Manage and collaborate with external vendors and business partners.
• Coordinate cross-functional teams to ensure smooth implementation of campaigns and product initiatives.
• Build strong working relationships and influence stakeholders effectively.

Regulatory & Governance

• Ensure compliance with MAS regulations and internal governance policies relating to unsecured lending.
• Maintain familiarity with regulatory requirements for unsecured loan products and marketing practices.
• Partner with Compliance and Legal teams to ensure all initiatives meet regulatory standards.
• Support audit and regulatory review requirements where necessary.

Requirements

• Relevant experience in:
  • Unsecured lending
  • Consumer banking
• Good knowledge of:
  • Personal Loans
  • Balance Transfer
  • Line of Credit facilities
• Familiar with MAS regulations relating to unsecured lending products.
• Strong analytical and strategic thinking skills.
• Advanced proficiency in Microsoft Excel
• Strong communication and presentation skills.
• Able to work independently and manage multiple priorities effectively.
• Self-starter with strong initiative and sense of ownership.
• Strong stakeholder management and collaboration skills.
• Proactive, hands-on, and results-oriented mindset.

Additional Requirements

Be a Part of the UOB Family

UOB is an equal opportunity employer. UOB does not discriminate on the basis of a candidate's age, race, gender, color, religion, sexual orientation, physical or mental disability, or other non-merit factors. All employment decisions at UOB are based on business needs, job requirements and qualifications. If you require any assistance or accommodations to be made for the recruitment process, please inform us when you submit your online application.

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