Senior Manager/Manager - Personal Loan, Credit Card & Unsecured Lending

Application Deadline: 29 September 2025

Department: Product

Employment Type: Permanent - Full Time

Location: Hong Kong (SAR)

Description

About MoxMox is built by and for the ones who aspire to live life to the fullest – we call them Generation Mox! The name Mox reflects the endless opportunities we can create, - Mobile eXperience; Money eXperience; Money X (multiplier), eXponential growth, eXploration… it’s all up for us to define together.  Why MoxEverything at Mox – from our products, features, to rewards – is designed based on customer research, tailor made for your needs. We care about what customers care about, especially in data security and privacy. Data ethics is core to everyone here at Mox. Mox rewards you with an array of banking and lifestyle benefits. Who says banking can’t be fun?  Who are we looking for?You work in the Cards and Lending Product team as part of a broader portfolio to design, develop and run one of our new propositions – Personal Loans (including Debt Consolidation). The overall objective of this role is to define the distinctive product proposition for target segments to grow market share and obtain competitive position. Intuition for design and technology, a strategic mindset and spotting opportunities to come naturally to you. You are comfortable working in a fast-paced environment with high degrees of ambiguity, get excited by solving complex problems and are happy to roll your sleeves up and get things done.

Responsibilities

• The role is responsible for developing & analyzing the strategic roadmaps, product enhancement and development, product launches, pricing and marketing promotions for personal loans
• Develop and implement comprehensive acquisition strategy for personal loan acquisition, proposing target segment, product design to serve the segment and channels to scale acquisition while keeping quality & cost under control
• Work with performance marketing to build acquisition momentum through paid media, aggregators, SEO, partnerships & affiliates under control while keeping acquisition cost under control
• Conduct periodic market assessment and review customer feedback in conjunction of overall strategy to build proposition / enhance features on existing products to solve for customer needs and maximize profitability
• Lead product development from planning, P&L forecast, requirement scoping, risk clearance, product commercialization and working with different stakeholders to ensure a smooth project delivery to achieve the business goals
• Working closely with Data, Customer, Risk, Marketing, Growth, UX teams and squads to plan the product features backlog, prioritize, evaluate and deliver the initiatives
• Work closely with data, credit risk & fraud risk management teams to monitor the funnel / approval rates to optimize journeys, processes to ensure efficiency in underwriting and keeping credit & fraud risk associated with personal loan under plan/within risk appetite
• Lead cross sell program to improve personal loan penetration to existing customer base
• Facilitate the build and testing of operational processes, systems, and reporting capabilities
• Design, monitor and report on acquisition KPIs, measure effectiveness of features and sharing results and insights within the organization.
• Monitor and ensure adherence to the control framework present in the bank

 

Requirements

• Preferably 5 – 7 years of relevant experience in personal loan / credit card loans
• Graduate / Postgraduate qualification preferable
• Analytical skills to interpret business reports, identify gaps or opportunities and develop appropriate actions for product enhancement/portfolio growth
• Solid experience in unsecured lending portfolio and product management in Hong Kong
• Sharp analytical and problem-solving skills, working knowledge of SQL is a plus
• Fluent English and Cantonese (read and write)
• Hands-on experience with agile development methodologies
• Knowledge about the platform developing skills and APIs
• Outstanding communication, presentation, and leadership skills
• Ability to manage time and schedules to meet aggressive deadlines and influence through persuasive written and verbal communication
• Exceptional interpersonal and communication skills
• An ability to think strategically and creatively
• Attention to details