汇丰
Head of Retail Propositions - Hang Seng Bank (HK)
Head of Retail Propositions - Hang Seng Bank (HK)
发布于 23 天前中层管理(经理/总监)
Mongkok, Kowloon, Hong Kong
高级经验
全职员工
混合式弹性办公
本科
产品管理
Leadership
Wealth Management
Product Management
Marketing
Omni-Channel
Customer Portfolio Management
Retail Banking
Customer Propositions
AI 估算 · 55k–90k
香港银行中层管理岗，金融行业薪资较高，需经验丰富，市场竞争力强。
职位详情
关于这个职位
该职位负责领导零售银行产品价值主张的设计与交付，面向战略客户细分市场（如新兴富裕人群、年轻专业人士、学生等），通过数字化渠道和客户洞察来获取新客户、深化客户关系并提升客户体验
需要与市场、风险、运营等多部门协作，推动客户增长和品牌影响力
最低要求
University degree in Business Administration, Marketing, Finance or related discipline; postgraduate qualification is an advantage
Proven experience in the banking/financial or related industries with focus on propositions management, customer acquisitions and customer portfolio management
Proven experience to lead omni-channel customer contact and/or customer experience; experience in building the necessary platform an asset
A forward-thinking leader with an innovative mindset and a proven ability to lead and embed change.
Excellent influencing skills in dealing with executive and senior level management and strong leadership across functional teams to drive improvement
Strong knowledge of customer interaction and distribution channels across retail and commercial banking, including branches, contact center, digital platforms, and relationship management.
Proficiency in both English and Chinese
工作职责
Lead the design and delivery of differentiated retail value propositions for strategic customer segments (e.g., emerging affluent, young professionals, students, working mass, Mainland Chinese) with unique anchors on wealth and banking solutions, synergising advanced digital capabilities and digital servicing channels to deliver quality client experience and establish the Bank’s competitive advantages.
Develop and execute cost-effective, digital-led customer acquisition and growth strategies to drive new-to-bank acquisition, customer upgrades, and reactivation of inactive customers.
Design acquisition and engagement strategies and initiatives for mass retail including account necessities activation, onboarding journeys, relationship growth for new-to-bank and existing customers to manage portfolio quality, increase product penetrations and maximize revenue per customer.
Collect customer insights and market intelligence into need-based proposition features and seamless journeys (e.g., account opening and onboarding) that improve conversion and satisfaction.
Collaborate with Marketing and relevant business units to deliver proposition-led campaigns that increase brand awareness and contribute to NPS improvement.
Develop strategic partnership strategies and collaborate with external and internal partners to expand customer acquisition channels and launch new customer privileges and services to enhance the overall value propositions for the customers
Work closely with internal risks and controls teams to ensure all the business risks are properly managed and accountable for key business applications and procedures governance and reviews.
Drive a culture of high performance and empowerment through effective people management activities. Foster a diverse, inclusive and open environment and drive teamwork and collaboration within and outside of the team.
Lead the continuing development, design, implementation and improvement of the processes, structures, capabilities, capacity, operating model and infrastructure needed to deliver agreed plans and targets, collaborating with colleagues to maximise end to end integration, effectiveness and efficiency.
Ensure product governance and compliance with regulatory requirements, internal policies, and conduct standards.
AI 洞察
优缺点分析
优点
- 在恒生银行这样的大型金融机构担任零售产品负责人，平台大，资源丰富
- 专注于数字化和客户体验创新，符合行业趋势，技能积累价值高
- 工作内容涉及战略、营销、数据、合作伙伴管理，复合性强，职业发展空间大
- 需要同时管理多个细分市场和产品线，工作复杂度高
- 银行监管严格，需平衡业务创新与合规要求
- 跨部门协调多，需要较强的政治智慧
- 适合有金融行业产品管理或客户管理经验、希望领导数字化零售银行转型、具备战略思维和领导力的资深专业人士
缺点 / 挑战
暂无明显挑战项
角色解读
- 可晋升为Head of Customer Propositions or Customer Management 或更高级别的零售银行管理层
- 有机会转向集团内其他产品或客户管理岗位，如财富管理或数字银行业务
- 可积累丰富的客户体验和数字化创新经验，成为行业专家
- 领导设计针对不同客群（如新兴富裕人群、大众零售等）的差异化零售银行价值主张，整合数字化渠道提升客户体验
- 制定并执行数字化客户获取与增长策略，推动新客获取、客户升级和沉默客户激活
- 与市场、风险、运营等部门协作，确保产品合规并提升品牌知名度和NPS
- 深入理解零售银行产品、客户细分和生命周期管理
- 优秀的跨部门领导力和影响力，能够推动变革
- 精通全渠道客户互动（分行、呼叫中心、数字平台），熟悉数字化能力建设
- 流利的中英文沟通能力，能够与高管和外部伙伴有效合作
申请策略
- 准备一个具体的客户价值主张案例，展示从洞察到落地的全流程
- 了解恒生银行的品牌定位和近期数字化转型举措，在面试中体现契合度
- 突出过往在零售银行或金融业中领导产品价值主张设计和客户获取的成功案例
- 强调数字化渠道和客户体验改进的实际成果，如提升NPS、用户增长等
- 展示跨团队协作和影响高层决策的经历
- 补充了解香港零售银行市场的最新数字化趋势和监管要求
- 强化数据分析和客户洞察工具的应用能力
面试指南
- 使用STAR法则（情境-任务-行动-结果）来结构化回答，重点突出具体行动和量化结果
- 展示战略思维，先分析市场/客户需求，再提出方案，最后说明执行和度量
- 强调领导力和影响力，说明如何激励团队和说服干系人
- 请描述你如何为一个新客户细分市场设计价值主张，并推动落地？
- 你如何衡量客户获取策略的效果？请分享一个成功案例
- 在推动跨部门合作时，你遇到过哪些挑战？如何解决？
- 你如何看待香港零售银行的数字化趋势？恒生应如何抓住机会？
- 如何平衡业务增长与合规风险？请举例
职位点评
74
综合评分
恒生银行零售产品负责人，平台大、数字化领先、发展空间大，但工作强度较高、生活平衡一般。
更适合这类人
该职位最适合重视职业发展、技能成长和领导力锻炼的资深金融专业人士，若追求良好工作生活平衡则需谨慎。
表现最好
成长发展
相对薄弱
工作生活
薪资福利80
成长发展85
工作生活60
使命价值70
薪资福利
80较高
香港大型银行中层管理岗位，薪资具有竞争力，福利完善（如五险一金、年终奖等），但生活成本高，整体补偿性较好。
薪资信号未披露（AI估算：55K-90K/月）
福利待遇competitive compensation packages
成长发展
85较高
职位涉及数字化创新和客户管理，能够接触前沿的银行技术和策略，有明确的成长路径（内部晋升或横向发展），培养领导力和行业视野。
技术前沿主流现代技术
技术栈Digital Banking、Omni-channel、Customer Relationship Management
成长机会good career development opportunities
业务类型profit_center
工作生活
60中等
混合办公模式提供一定灵活性，但银行管理岗位可能仍需较高出勤和加班，工作生活平衡一般。
工作模式混合式弹性办公
办公地点市区核心地段
加班情况未提及（无法判断）
使命价值
70中等
银行业务对社会经济有直接贡献，客户体验提升具有正面影响，但作为利润中心，主要驱动力为商业价值，社会意义中等。
行业发展稳定成熟行业
社会影响中性/一般
创新程度积极采用新技术
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