Anthony Man

Provided executive leadership over Dah Sing Bank’s retail product franchises — Deposits, Lending (Secured & Unsecured), and Customer Segmentation — with full P&L accountability and strategic oversight of pricing, governance, and balance-sheet growth. Championed digital enablement, ecosystem collaboration, and data-driven decisioning to strengthen product innovation and portfolio resilience.

Strategic Leadership & Transformation

• Defined and executed the multi-year portfolio growth strategy, aligning deposit, lending, and customer-segmentation initiatives with corporate objectives and HKMA regulatory priorities.
• Transformed product management into a data-driven, ecosystem-based model, integrating customer analytics, digital enablement, and real-time pricing to improve profitability and agility.
• Chaired the Banking Product Squad, coordinating digital product development, system enhancement, and regulatory compliance programs under agile governance.

Lending & Digital Enablement

● Oversaw end-to-end management of lending portfolios — including Personal Loan, Secured OD, Mortgage, Premium Finance, and PowerWealth — achieving sustainable portfolio yield while improving risk-adjusted returns.

● Introduced risk-based pricing and credit analytics frameworks that balanced growth with asset quality.

● Partnered with Technology and Credit teams to modernize onboarding and approval workflows, introducing automated decisioning and same-day drawdown capabilities under the PowerWealth program.

● Initiated embedded-finance collaboration with insurance and broker networks to scale premium-finance acquisition and expand MCI penetration.

Deposits & Balance Sheet Management

● Directed strategy, pricing, and cost-of-funds management for all CASA and Time Deposit portfolios.

● Implemented tiered pricing models and data-driven promotional structures for SME and VIP segments, achieving competitive acquisition while maintaining funding stability.

● Partnered with Treasury and Finance to align FTP (Funds Transfer Pricing) and liquidity management with market conditions.

● Delivered digital deposit initiatives through mobile and e-banking platforms to enhance customer stickiness and cost efficiency.

Customer Segmentation & Growth

● Owned and optimized propositions for VIP (HKD 1M+ AUM), SME, MCI (Mainland Chinese Individual), and Mass segments.

● Launched integrated campaigns and cross-sell bundles to uplift customer AUM and deepen multi-product engagement.

● Worked with Analytics and Distribution teams to refine targeting and digital acquisition funnel, enhancing campaign ROI.

Leadership, Governance & Risk

● Fostered a performance and accountability culture with a 99% staff-retention rate during tenure.

● Strengthened operational control and risk governance across lending, deposits, and cross-border transactions.

● Led regulatory readiness and compliance transformation for HKMA initiatives (e.g., MoneySafe, Loan Fact Sheet Standardization), ensuring full audit alignment and staff training coverage.

Led the Deposit & Payment business for one of Hong Kong’s first virtual banks, driving digital innovation, product strategy, and sustainable funding growth. Held full accountability for product P&L, regulatory compliance, and portfolio performance while transforming conventional retail banking models into API-driven, data-centric ecosystems.

Digital Product & Fintech Strategy

• Defined the end-to-end deposit and payment strategy—from roadmap development to product launch—focusing on agility, scalability, and embedded finance capabilities.
• Introduced dynamic pricing engines and data-automation tools for real-time rate optimization and liquidity management, strengthening balance sheet efficiency and profitability.
• Led the implementation of API-based integrations across ecosystem partners and payment networks to expand transaction capabilities and customer access.
• Championed customer-centric product design through UX optimization and data-driven iteration, improving engagement and retention across digital journeys.
• Positioned the Bank as a benchmark in API-driven banking, with a strong fintech partner network supporting scalable lending and payments infrastructure

Funding, Payments & Platform Expansion

• Scaled CASA and time-deposit portfolios through personalized offers, behavioral analytics, and automated campaigns, achieving sustained funding diversification and growth.
• Enhanced the Bank’s digital payment capabilities by expanding Faster Payment System (FPS) integration, developing merchant pay-in features, and introducing cross-border transaction enhancements.
• Strengthened collaboration between Treasury, Risk, and Data teams to optimize funding cost and drive dynamic balance-sheet planning.

Innovation & Regulatory Excellence

• Served as key liaison with HKMA for Deposit Protection Scheme (DPS) compliance and digital banking readiness, ensuring audit success and zero non-compliance findings.
• Led initiatives on operational risk management, cybersecurity resilience, and real-time fraud detection in partnership with the risk and technology divisions.
• Established robust product governance frameworks to align innovation with regulatory expectations—balancing experimentation with disciplined control.

Leadership & Cross-Functional Collaboration

• Built and led a multi-disciplinary fintech team spanning Product, Technology, and Risk, fostering a culture of innovation and accountability.
• Championed agile delivery practices to accelerate time-to-market while maintaining governance, data integrity, and customer trust.
• Partnered with senior management to design the digital customer-acquisition blueprint, blending growth marketing, referral ecosystems, and retention analytics.

Led the Core Product Division overseeing Deposits, Lending, and Payment Services, with direct accountability for P&L management, business performance, and compliance governance across retail and SME banking segments. Played a central role in modernizing the Bank’s retail product architecture, enhancing profitability, and strengthening the operational foundation for future digital transformation.

Strategic Product Leadership

• Directed the end-to-end product lifecycle for deposits and secured lending, aligning pricing, portfolio mix, and funding strategy to business growth objectives.
• Developed and executed strategic plans to enhance product competitiveness, profitability, and cross-segment penetration across personal and SME banking.
• Led pricing and funding committees, balancing yield optimization with cost-of-funds efficiency, ensuring alignment with treasury and risk parameters.
• Partnered with the CEO and senior management to define transformation priorities, introducing data-led decision making and new governance processes for product strategy.

Management & Cross-Functional Collaboration

• Supervised a multi-level team covering product development, operations, and analytics, promoting collaboration and accountability across departments.
• Worked closely with Risk, Compliance, Operations, and IT to streamline approval workflows, improve process efficiency, and minimize operational bottlenecks.
• Strengthened governance frameworks and documentation standards to support audit readiness and regulatory compliance, particularly under HKMA requirements.
• Cultivated a performance-driven culture through coaching, empowerment, and clear KPI alignment, resulting in high retention and consistent delivery of business targets.

Operational Excellence & Risk Control

• Served as Product-Risk Owner within the Risk Management Committee (RMC), responsible for operational risk monitoring, compliance oversight, and business continuity preparedness.
• Enhanced fraud prevention, transaction monitoring, and data-security controls, reinforcing digital-payment reliability and customer protection.
• Ensured compliance with Deposit Protection Scheme (DPS) Representation Rules, successfully completing multiple audit and drill tests with zero exceptions.
• Implemented structured risk governance mechanisms to strengthen product integrity, documentation quality, and regulatory adherence.

Transformation & Foundation for Digital Growth

• Initiated groundwork for digital migration of core deposit and loan systems, collaborating with IT and external vendors to enhance scalability and future readiness.
• Advocated for process automation, integrated data analytics, and customer-centric product enhancement as part of the Bank’s modernization roadmap.
• Established a data-driven management culture, introducing dashboards and performance analytics to track KPIs, risk indicators, and portfolio health.

Played a central role in shaping the Bank’s retail and commercial deposit strategies during a period of significant portfolio expansion and market transformation. Directed strategic pricing, product development, and cross-segment campaigns that strengthened balance-sheet growth, customer engagement, and brand competitiveness across Hong Kong.

Strategic Leadership & Business Growth

• Drove the end-to-end development and execution of deposit strategies that contributed to multi-billion-dollar portfolio growth and sustained market share expansion.
• Defined pricing and funding frameworks in coordination with Treasury and Finance to balance yield optimization with liquidity and cost-of-funds management.
• Championed the launch of differentiated deposit propositions—including tiered and bundled plans—that reinforced customer retention and deepened product penetration.
• Supported ALCO-driven initiatives to align product direction with the Bank’s funding strategy and long-term profitability objectives.

Market Strategy & Customer Proposition

• Strengthened the Bank’s competitive positioning through integrated marketing campaigns, sales enablement, and customer-centric product design.
• Collaborated with cross-product teams to deliver bundled offerings that increased AUM and cross-sell efficiency across retail and SME customer bases.
• Applied market intelligence and portfolio analytics to drive strategic decision-making and resource allocation.

Governance & Risk Management

• Ensured robust product governance and compliance with HKMA standards, embedding risk awareness across all deposit programs.
• Enhanced operational efficiency through process optimization and control improvements, reducing error rates and turnaround time.
• Partnered with Compliance and Operations to strengthen transparency, pricing discipline, and customer disclosure standards.

Leadership Impact

• Acted as a key bridge between Product, Treasury, Operations, and Distribution teams, fostering cross-functional alignment and execution excellence.
• Mentored junior managers and front-line staff, developing strong sales discipline, customer focus, and product knowledge across the network.
• Established a foundation of strategic product management that supported the Bank’s transition into a more modern, performance-driven retail model.

Led end-to-end mortgage origination and sales operations, achieving top-tier performance across individual and team KPIs. Strengthened the Bank’s retail lending franchise through disciplined execution, customer engagement, and channel development.

● Consistently exceeded sales and revenue targets while maintaining strong compliance discipline.

● Built and managed key referral networks with real estate partners and agencies to expand acquisition channels.

● Contributed to process improvement and sales governance initiatives that enhanced service turnaround and portfolio quality.

Managed a 15-member team responsible for mortgage and unsecured loan origination, leading the team to exceed business targets in a competitive market.

• Directed frontline performance through structured coaching, pipeline management, and sales analytics.
• Partnered with Credit and Operations to streamline loan approval and drawdown workflows, improving efficiency and customer experience.
• Drove cross-sell initiatives integrating mortgage and personal lending solutions to uplift overall business contribution.

Supervised a frontline sales team focused on personal loan acquisition and portfolio growth.

• Designed and executed targeted acquisition campaigns to expand customer base and loan penetration.
• Established disciplined sales management processes and compliance controls across loan operations.
• Laid the foundation for future leadership roles through early exposure to retail lending strategy and team performance management.