[HO] - Project Housing Loan Development Manager

Product Strategy and Development

• Lead the end-to-end development of project housing loan products — from market research, product design, pricing, to launch and performance tracking.

• Analyze market trends, customer insights, and competitor offerings to maintain product competitiveness.

• Define and manage product features, credit policies, and pricing frameworks in collaboration with Risk, Operations, and Compliance teams.

• Drive digital and automation initiatives to simplify processes and enhance customer experience.

Real Estate Project Analysis

• Conduct comprehensive analysis of real estate projects — including legal, financial, progress, and developer reputation aspects.

• Evaluate project feasibility and risk-return balance for cooperation approval.

• Maintain and update the approved project portfolio with regular performance review.

Business Development and Partnerships

• Establish and strengthen strategic partnerships with major real estate developers and agencies.

• Directly negotiate cooperation agreements to support project loan distribution.

• Develop project-specific business plans and drive implementation with sales and branch networks.

Business & Performance Management

• Monitor sales performance, loan quality, and profitability; propose corrective actions.

• Develop business plans for project-based sales and track achievement.

• Ensure all activities adhere to legal, regulatory, and internal policies.

Education:

• Bachelor’s or higher degree in Finance, Banking, Economics, or Business Administration.

Experience:

• Minimum 5 years of experience in mortgage lending, product development, or real estate finance.

• Experience working with real estate developers or in project-based lending (project analysis and partnership negotiation).

• Preference will be given who has close network/relationship with large developers.

• At least 1 years in a supervisory or managerial role.

Skills:

• Strategic planning and analytical thinking.

• Strong project and stakeholder management.

• Excellent communication, negotiation, and presentation.