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