Manager - Credit Card Usage (Usage & Rewards)- Hang Seng Bank (HK)

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Summary

• Assist the Team Head to own end-to-end growth for the retail credit card business, with accountability for retail card sales, interchange revenue, platform pass through revenue, revolving balance and portfolio profitability delivery by merchant usage programs.

• Lead performance analytics and assist to derive the merchant/partner strategy to identify growth drivers, build investable business cases, and deliver executive-level business reviews that steer commercial actions across customers segments, marketing, sales, merchant acquiring, and risk.

• Cross-functional leadership to facilitate the growth of card retail sales by the merchant usage programs, e.g. coordinate Product, Marketing, Sales, Acquiring, Finance, Risk, Collections, Data/Tech.

• Governance & controls: ensure compliance with relevant policies, fair marketing practices, and partnership controls.

• Strategic planning: support long-range portfolio strategy (segment focus, product roadmap, partner ecosystem strategy)

Key Responsibilities

Own retail credit card sales growth (P&L-minded)

• Assist Team Head to deliver credit card portfolio growth targets delivered by merchant usage programs to achieve activation, spend, revolving balance, NIl, interchange/fee revenue.

• Define annual/quarterly growth plan and translate into channel-specific execution by merchant categories.

• Monitor pipeline, conversion, and unit economics; adjust tactics to maximize ROI and profitability.

Diagnose usage and spend dynamics through advanced performance analytics:

• Assist Team Head to build a structured view of usage trends by product, card type, customer segment, merchant category (MCC), geography, and payment rail/platform pass-through.

• Identify seasonality, cohort behaviors (e.g., month-on-book, vintage), and early indicators for spend and revolve outcomes.

• Create clear performance dashboards and automated reporting for stakeholder consumption.

Translate drivers into commercial actions to improve revenue and interest income

• Decompose key drivers (acquisition, activation, frequency, ticket size, retention, revolve rate, delinquency impact) to the retail card sales and quantify contribution to P&L.

• Assist Team Head to d esign initiatives to grow spend, interchange, fees, and net interest income while maintaining prudent risk outcomes.

• Partner with Product/Risk to optimize offers, pricing, credit line management, and campaign rules to drive sustainable profitability.

Identify priority merchant categories and partners to accelerate growth

• Prioritize MCCs and strategic merchants to drive targeted outcomes (e.g., daily spend, high-frequency categories, big-ticket categories, balance builders).

• Shape and negotiate joint value propositions with merchants and platforms (offers, co-marketing, loyalty, installment/BNPL adjacencies where applicable).

• Establish partner performance scorecards and manage the ongoing optimization of merchant programs.

Build, validate, and track business cases with disciplined governance

• Develop investment-ready business cases for merchant/marketing initiatives: expected uplift, cost-to-serve, funding structure, and payback.

• Set KPls, testing methodology (A/B, holdouts), and post-launch measurement framework to validate incremental impact.

• Run continuous test-and-learn cycles; recommend scaling, redesign, or stop decisions based on evidence.

Prepare and lead executive business reviews

• Own monthly/quarterly business reviews covering performance vs. targets, driver analysis, issues/risks, and forward actions.

• Provide succinct executive narratives supported by data (insights, decisions needed, and implications to P&L).

• Align cross-functional stakeholders on priorities, timelines, and accountabilities.

Requirements

• University degree with minimum 7 years of relevant experience preferable in credit card industry
• Strong aptitude for innovation, ready for challenges and enjoy working in dynamic environment
• High degree of personal drive and resilience
• Excellent communication and interpersonal skills, with hands-on experience in internal or external partnerships development or management
• Able to work with stakeholders from various functions and disciplines to drive business outcomes
• Excellent problem solving and analytical skills with creative and critical thinking
• Good knowledge in compliances and regulatory requirements
• Good command of both written and spoken in English and Chinese

You'll achieve more when you join Hang Seng Bank Limited.

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Hang Seng is committed to service excellence. Our people are our most important asset and play a vital role in our efforts to continually enhance our performance for customers and provide best-in-class products and services. We seek to attract high-calibre talent by offering a dynamic working environment, good career development opportunities and competitive compensation packages.

Issued by Hang Seng Bank Limited