Unit Head of X-sell Cash Loan Product

JOB TARGET:

This role is responsible for developing scalable cross-sell lending products, customer segmentation strategies, personalized lending propositions, and lifecycle engagement programs to drive customer value and sustainable portfolio growth.

You will work at the intersection of Product, CRM/CVM, Data Analytics, Risk, Marketing, and Digital Sales to unlock customer value through intelligent lending strategies and optimized customer journeys.

PRIMARY RESPONSIBILITIES:

1) X-sell product strategy & lifecycle monetization

• Define and execute cross-sell cash loan product strategies for existing customer portfolios
• Drive portfolio growth through customer segmentation, personalized offers, and lifecycle optimization
• Build scalable lending propositions to maximize customer engagement and lifetime value (LTV)
• Continuously optimize approval flow, pricing, limits, and offer strategy

2) Customer value management & analytics

• Leverage customer insights, behavioral analytics, and segmentation models to improve conversion and utilization
• Partner with Marketing and CRM teams to develop targeted acquisition, retention, and reactivation campaigns
• Monitor customer journey performance and optimize offer delivery effectiveness

3) Portfolio performance & growth optimization

• Manage portfolio profitability, usage performance, and product KPIs
• Lead pilot programs related to pricing, process optimization, and customer engagement strategies
• Drive data-driven decision-making to improve business outcomes and portfolio quality

4) Cross-functional collaboration

• Collaborate with Risk, Data, Technology, CRM, Operations, and Sales teams

• Minimum 5–8 years of experience in consumer lending, product management, CRM/CVM, or retail banking products
• Strong understanding of:
  • Cross-sell lending
  • Customer lifecycle management
  • CRM/CVM strategies
  • Portfolio monetization
• Experience in consumer finance, banking, fintech, or digital lending is highly preferred
• Strong analytical mindset with experience in customer segmentation and portfolio performance management
• Strong commercial and stakeholder management capability
• Fluent English communication is preferred

WHY JOIN SHB FINANCE

Impact & Leadership:

• Lead and execute key business initiatives at the team/department level, turning strategy into clear, measurable outcomes.
• Connect and collaborate across teams to drive efficiency and deliver consistent results.
• Manage and develop your team, building capability, engagement, and a high-performance culture.

Growth Opportunities:

• Participate in structured leadership development programs designed for level managers.
• Contribute to and mentor future leaders, playing a key role in developing the next generation of talent.
• Gain exposure to cross-functional projects and a dynamic, collaborative working environment.

Rewards & Benefits:

• Receive a competitive salary aligned with your role and performance.
• Be covered by a comprehensive health insurance plan for you and your family.
• Enjoy competitive annual leave (up to 15 days/year), plus 01 fully paid birthday leave, along with tailored allowances for management roles.