Mortgage Product Management Specialist SG

**Responsibilities** **JOB DESCRIPTION** 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