Head, Secured Loan Products Th

5 months ago


Thailand CIMB Group Full time

Strategy and Planning
- To manage overall profitability including revenue, expenses, credit cost etc. of secured loan portfolio to achieve business’ target.
- To ensure capturing of the right target segment

Business Performance and Management
- To study/research market and consumer behavior in order to consistently develop/adapt secured product according to latest market trend and to serve customer’s needs, given boundary of current product program
- To develop/evaluate marketing strategy for the secured loan target market and participate in bank’s marketing event i.e. Money Expo etc.
- To review/select targeted projects from good (or low risk) real estate developers along with conducting market survey for new good real estate projects
- To manage/launch marketing campaign and closely monitor all sales channels to ensure sustainable growth of new business volume as per expected business’ target
- To review/update current product program and/or sale manual to be used as product guideline for related parties i.e. Retail Credit or all sales channels i.e. Direct sales, Branch sales etc.
- To regularly review E2E processes related to secured loan product to ensure operational excellence, faster service and/or in compliance with bank’s policies, local law and regulations
- To create new campaign code containing promotional interest rate and other details into front end system so called RRCS
- To oversee and/or prioritize related system change request (CR) based on cost/benefit analysis (budget vs. potential revenue)

People Management
- To manage team to deliver the target
- To support relationship manager team for acquiring/deepening relationship with good real estate developers for potential business opportunities
- To co-ordinate with related internal i.e. sales team, consumer credit, operations, valuations etc. and/or external parties i.e. solicitors, real estate developers etc. to ensure smooth product implementation
- To deliver professional training/coaching to sales team on new/existing secured product knowledge and/or marketing campaigns as required

Regulatory Compliance
- To ensure compliance with all relevant regulations
- To deal regulators or co-ordinate to get their questions answered



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