Career Opportunities - Divisions / Departments

Hang Seng's Branch Network and Direct Banking focuses on personal wealth management and financial services. Our one-stop wealth management initiatives are designed for both our affluent and mass integrated account customers. With more than 150 branches and automated banking centres, together with over 30 Prestige Banking Centres for our high-end personal customers, we serve more than one-third of the local population, offering an extensive range of products.

Should you join our Branch Network and Direct Banking, you may provide personalised services for our customers. By identifying customer needs and providing financial solutions in response, you will be able to explore new business opportunities and strengthen the total customer relationship. In addition, you may serve our customers through various distribution channels such as branches, e-Banking and Customer Contact Centre. You may also participate in the development and enhancement of our value-added products and services which are tailor-made for different customer segments.

Hang Seng's Business Banking Division provides one-stop financial solutions to help small and medium-sized enterprises (SMEs) grow their businesses.

We have over 150 Relationship Managers in 13 Business Banking Centres. Our Relationship Managers provide tailor-made financial services, including commercial loans and overdraft facilities, trade finance, factoring, foreign exchange services, insurance, MPF, payroll, Business e-Banking, corporate credit card and investment services. Apart from financial services, customers can enjoy a variety of preferential offers provided by our business partners.

Should you join our Business Banking Division, you will have the opportunity to meet with customers from a great variety of businesses and develop total banking relationships with them. Through training and development, you will also have the opportunity to develop into an all-round commercial banker.

Hang Seng's Commercial Banking Division provides customised one-stop financial solutions to our commercial customers, from small and medium-sized businesses to publicly listed companies.

For customers conducting business locally or around the world, we offer a comprehensive range of services including commercial lending, trade finance, factoring, cash management, treasury services, insurance and e-Banking services. As a reliable financial partner, we attend to the specific business needs of our customers and provide efficient tailor-made banking solutions through our relationship managers and dedicated specialists.

Should you join the Hang Seng Commercial Banking team, you will have an opportunity to develop as either an all-round commercial banker or a product specialist and to expose yourself to various commercial banking businesses such as trade, commercial credit and cash management. You will also have the opportunity to take part in delivering the best financial services to our commercial customers and in helping to build a close relationship with them.

Hang Seng's Corporate Banking Division provides a broad spectrum of financing solutions to large corporations and financial institutions. As a strategic financial partner to corporate customers, Hang Seng offers a comprehensive range of corporate banking services including bilateral and syndication loans, project financing, property development financing, property investment loans, working capital financing, trade financing, cash management and treasury products. Our experienced and knowledgeable professionals understand the specific requirements of our customers and are committed to providing tailor-made financial packages in their best interests.

Should you join the Corporate Banking Division, you will work as a business financial specialist and help our corporate customers with their financial decisions. You will work closely with them to understand their needs, business uniqueness and competitive edge, and tailor flexible, versatile and long-term financial solutions that best meet their requirements. You will also help in forecasting their future development and expansion needs.

Hang Sang deploys the latest technologies to meet changing customer needs and enhance its leading edge.

Our professional Information Technology experts are dedicated to developing customer-oriented systems and ensuring that our valuable customers can enjoy a sophisticated range of banking products in the most efficient and convenient way. Our e-Banking services highlight our development as a major e-player. Innovative e-Banking services such as Internet banking and other wireless financial services allow our customers to manage their wealth with ease any time around the world.

Should you join our Information Technology and Procedures Division, you will work closely with our business users to meet their needs for exploiting market opportunities. Designing and delivering the best solutions as well as maintaining the stability and security of different computer systems will be your critical mission. You will contribute to enhancing operational efficiency and increasing the productivity of the user departments. You are also expected to enhance our innovative and technology-driven e-Banking services to ensure the greatest convenience for our customers.

Hang Seng Bank was one of Hong Kong's bancassurance pioneers. We have offered general insurance since 1965 and diversified into life insurance in 1995.

Our wholly owned subsidiary, Hang Seng General Insurance (Hong Kong) Company Limited, provides a wide range of general insurance services including fire, marine, accident, travel, motor, and employee compensation. With our extensive branch network as the primary distribution channel, there is great potential for further growth.

Hang Seng Life Limited, a wholly owned subsidiary of Hang Seng Insurance Company Limited, has been a great success story. It is one of the fastest growing life insurers in Hong Kong. Our success relies on our high quality service, trusted brand, competitive pricing, comprehensive product range and efficient claims policy.

Should you join our Insurance Division, you will focus on maintaining close relationships with our corporate and individual customers, and providing them with premium service. You will also be expected to develop new insurance products and distribution channels to meet the changing needs of customers in a dynamic environment.

Hang Seng's Investment Services Division offers a full spectrum of investment products and services to both private and corporate investors. Our customers can invest in over 500 Hang Seng-branded funds and third-party funds managed by reputable international fund houses. The funds cover different asset classes, including global equities, bonds, money markets and foreign exchange markets. We also provide asset management services for retirement schemes, institutional investors and charitable organisations.

Our securities services are offered through a wide variety of trading channels - including over 150 branches and automated banking centres and the Internet, as well as automated, manned and mobile phone banking .

We provide various structured products for investors as an alternative investment choice for enhanced potential returns, as well as forex margin trading, and Hong Kong and US dollar bond investments for selected personal customer segments.

Should you join our Investment Services Division, you will assist in formulating business promotion and product development programmes, as well as developing investment funds and structured investment products to meet the needs of our different customer segments. With your professional knowledge and expertise in asset management, you will help manage investment portfolios to enhance investment performance for our customers.

Hang Seng's Private Banking provides services for people who have successfully built their asset base and now want to place their wealth in the hands of experts who know how to nurture it. Our banking services and products combine traditional banking standards with a competitive edge. Services are based on an integrated approach to asset and liability management, both onshore and offshore. Our investment team is ready to offer professional advice at a local level and on a global scale.

Should you join our Private Banking Department, you will focus on building close relationships with our high net-worth customers, providing professional advice and premium service to them and contribute to the profitability of the Bank.

Hang Seng's Secured Loans business provides customised and smart financial solutions to customers through a wide range of secured loan products, including mortgages, secured overdrafts, taxi / public light bus financing and car loans.

As one of Hong Kong's leading mortgage banks, we help smooth the path to home ownership for customers by offering innovative, timely and comprehensive mortgage products and services that allow homebuyers at all levels to fulfill their home-buying dreams. We continue to develop innovative mortgage products and services.

Our services are delivered through a comprehensive range of service channels, including branches, mobile direct sales, e-channels and customer hotlines.

Should you join our Secured Loans, you will work closely with our professional, innovative and committed staff to develop and enhance secured loan products to meet the changing needs of customers in a dynamic market environment and to deliver premium services to our customers. There are various opportunities in areas such as product and channel development, sales, and credit and recovery management, where you can apply your knowledge and expertise and help customers realise their wealth management goals.

Hang Seng's treasury operations provide superior service, fully integrated solutions and 24-hour global markets coverage. Our support framework is substantial. Our advanced technologies deliver quick access to key markets. Our capital strength allows us to tailor competitively-priced solutions for specific client operations around the world. Clients leveraging on our strengths include government agencies, financial institutions, supranationals, multinational corporates and high net-worth individuals. We provide a full spectrum of treasury services to our customers, including foreign exchange, capital markets instruments, interest rate risk management, as well as market intelligence on global trends and key developments.

Should you join our Treasury Division, you will get to know our customers and design reliable solutions that best meet their needs. You will help them to manage business risks arising from fluctuations in interest rates and exchange rates. With your professional knowledge and expertise, you will also assist in managing the Bank's activities in money markets, foreign exchange, capital markets, as well as hedging the Bank's risk exposures. You can also make good use of your business acumen and market sense to develop structured treasury products for different customer segments.

Hang Seng's Unsecured Loans business offers a full spectrum of cards and personal loan products and services to customers.

We have over 20 card products, including generic credit cards, co-branded credit cards, affinity cards and commercial cards, and are one of the leading credit card issuers in the market. We are dedicated to offering customers superior credit card services and loyalty schemes, with an aim of enabling customers to get the most out of their day-to-day spending.

Our Unsecured Personal Loan services offer installment loans, revolving loans, and overdraft facilities to meet the financial needs of customers at all levels.

Should you join our Unsecured Loans, you will have the opportunity to formulate marketing and product development programmes; participate in developing sales and credit strategies, operations and customer services; and gain the experience and exposure needed to become an all-round professional in consumer credit.

Incorporated in May 2007, Hang Seng Bank (China) Limited (Hang Seng China) is a wholly owned subsidiary of Hang Seng Bank. Hang Seng China currently has a network of 20 outlets in mainland China, including eight branches (in Beijing, Shanghai, Guangzhou, Dongguan, Shenzhen, Fuzhou, Nanjing and Hangzhou) and 12 sub-branches (one in Beijing, seven in Shanghai, three in Guangzhou and one in Shenzhen). Our branches offer a broad range of banking and financial services to foreign-invested enterprises, domestic companies, Mainland residents and expatriates on the Mainland. To better serve our customers, we will continue to grow our Mainland network and offer new products and services.

Hang Seng China offers challenging and rewarding banking careers on the Mainland. Should you join our Mainland branches, you will have opportunities to gain exposure and experience in different aspects of branch activities, including credit and marketing, personal financial services, operations and other back-office functions.

To cope with our growing need for Mainland talent, we have also developed a well-structured Management Trainee Programme for PRC nationals who are interested in pursuing a long-term career in banking.