Mortgage Product Management Specialist SG

Responsibilities: Strategic Portfolio Management & Growth • Develop and execute growth strategies for Singapore mortgages and Overseas Property Financing portfolios to drive sustainable balance growth, profitability, and customer acquisition. • Analyze market trends, interest rate movements, property market dynamics, customer behavior, and competitive developments across Singapore and key overseas markets to identify growth opportunities and inform business strategies. • Formulate and implement portfolio retention, repricing, and customer lifecycle management initiatives to enhance customer loyalty, reduce attrition, and maximize portfolio profitability. • Monitor and optimize key portfolio performance metrics, including balances, acquisition, retention, attrition, margins, and risk-adjusted returns. • Support business planning and execution to achieve portfolio growth, revenue, and profitability targets. Product Development & Management • Lead the end-to-end lifecycle management of Singapore mortgage and Overseas Property Financing products, from concept development and business case preparation through launch, enhancement, and ongoing optimisation. • Design and enhance mortgage propositions to address evolving customer needs, improve customer experience, and strengthen market competitiveness. • Develop and execute targeted acquisition campaigns, pricing strategies, promotional initiatives, and customer engagement programmes in partnership with Sales, Marketing, and external partners. • Conduct ongoing market intelligence and competitor benchmarking to ensure product offerings remain relevant, differentiated, and commercially attractive. • Drive digitalisation and process improvement initiatives to enhance customer journeys, operational efficiency, and turnaround times. Portfolio Analytics & Performance Management • Develop and maintain portfolio analytics, management information reporting, and performance dashboards to support strategic decision-making. • Analyse portfolio trends, customer segments, campaign effectiveness, and profitability drivers to identify growth and optimisation opportunities. • Generate actionable insights and recommendations to improve portfolio performance, customer retention, pricing effectiveness, and business profitability. • Prepare portfolio reviews, business cases, and management reports. Governance, Risk & Stakeholder Management • Ensure all mortgage product and portfolio initiatives comply with regulatory requirements, internal policies, and governance standards. • Partner closely with Credit, Risk, Compliance, Legal, Operations, Finance, and Technology teams to deliver strategic initiatives and product enhancements. • Support product approval processes, legal documentation reviews, policy updates, and implementation of regulatory changes. • Manage relationships with external stakeholders including MAS, CPF Board, HDB, legal firms, valuers and other key partners. • Represent the business in industry forums and stakeholder engagements relating to mortgage and overseas property financing matters. • Act as a subject matter expert on Singapore mortgages and Overseas Property Financing, providing guidance to internal stakeholders and business partners. Requirements: Qualifications • Degree Relevant Work Experience • At least 6 to 8 years of relevant Mortgage Product Management experience Technical/Functional Skills • Good knowledge of Mortgage business Personal Skills (Soft Competencies) • Good communication and presentation skills • Dependable and meticulous team player with an eye for detail • Results oriented with strong stakeholder management skills