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    Management Trainee Programme

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    Management Trainee Programme

    Welcome to Hang Seng Bank's Management Trainee Programme career page. If you're seeking a kick-start to your career in one of Hong Kong's top domestic banks, our program offers the perfect opportunity. You can gain essential skills for success in the business world, establish valuable connections, and navigate the banking and financial services sector.

    Join us in serving the local community and contributing to one of the World's Top 100 most sustainable companies. Here are all the information on what we seek in our Management Trainees (MTs) and the promising career prospects we offer.

    Programme structure

    About

    Hang Seng’s Management Trainee Programme offers a holistic development approach,  centred around 2 key dimensions, Enterprise and Professional. At the enterprise level, aspiring leaders are immersed in our purpose, values and strategies in fintech and Greater Bay Area business as well as Environment, Social and Governance (ESG) initiatives. The professional level focuses on 6 business and function streams. You'll build your core banking knowledge and specialist skills in an inclusive environment and equip yourself with future skills, designed and offered through our expansive and agile learning environment, customised to enhance your development and growth.

    Three-year Programme will be about maximising your exposure in order to gain the essential work-related knowledge and skills through rotations across core departments. You'll acquire valuable experience by participating in bank-wide projects and working in cross-functional teams. You will also leverage your core department rotations and choose a placement area, starting the development of your career in the selected area of expertise. The opportunities don't end here – when you have graduated from the Management Trainee Programme, you'll be offered opportunities in Hang Seng to further progress and grow your career, preparing you to become one of our future leaders.

    If you're interested in what we’re offering in the programme, you can click "Apply now" to submit your application. You can also learn more about the programme and each business / function stream below.

    Apply now

    Business / functional streams

    What to expect

    Commercial Banking connects entrepreneurial businesses to opportunities through our relationship managers and digital capabilities. You'll rotate across Relationship Management teams that work directly with clients to support and expand their operations.

    You can also work in Global Trade teams that offer services and finance for buyers and suppliers, or with our Product Management teams, that develop new, digital services to improve the experience of our customers, and incorporate ESG considerations into our client solutions.

    Job attachment

    Investment and Insurance Sales

    • Learn how to provide professional advice to corporate customers on insurance and investment products, areas of expertise crucial to success in the competitive CMB segment

    Global Payments Solutions

    • Understand product development of Global Payments Solutions
    • Understand the management and commercialisation of the product cycle

    Global Trade Solutions

    • Acquire an overview of Global Trade Solutions products and daily activities, critical in providing quality lending services to customers

    Relationship Management

    • Gain valuable connections and experience by managing a portfolio of commercial customers
    • Deepen your knowledge of various industries and hone your skills in financial analysis

    Corporate Banking Client Coverage

    • Understand the origination and structuring of Syndicated/Structured Finance transactions
    • Acquire a basic understanding of commercial real estate loans and advances
    • Understand the structuring of sustainable finance deals

    Strategic Change, Business Risk and Client Services

    • Understand the operational flow between the Strategic Change, Business Risk and Client Services and other departments within CMB
    • Gain exposure to Fintech and data analytics within the context of commercial banking

    What to expect

    The Chief Operating Office (COO Office) is responsible for the daily management and efficient operations of the bank, ensuring high-quality service while managing risks through effective controls and bank-wide changes. It also provides essential services like procurement and real estate management. Technology plays a crucial role by driving innovation, delivering outstanding digital experiences, collaborating across departments to create innovative solutions, and contributing to strategic programmes that shape the future of banking. Our teams are essential in creating excellent customer experiences and supporting the bank's strategy to maximise business value and growth.

    As a participant in our Management Trainee (MT) Programme, you'll be at the forefront of innovation. Within our COO Office and Technology, where operational excellence meets advanced technology, you'll engage in various roles—from driving AI integration and digital transformation to leading automation and enhancing customer journeys. You'll gain practical experience in cutting-edge projects, develop strong technical and leadership skills, and become a change driver.

    If you're innovative, results-driven, and ready to lead from the start, this programme will set you apart. Join us to grow as a bold thinker and well-rounded professional shaping the future of Hang Seng Bank.

    Job attachment

    Technology (Tech)

    • Learn to deliver exceptional digital experiences to our customers and colleagues.
    • Embrace innovation and work with various departments to generate new ideas and solutions, building and maintaining top-tier IT solutions for our customers and users.

    Operations (OPS)

    • Develop into a "Data-driven Problem Solver" by applying business intelligence and analytical thinking to streamline workflows.
    • Become a "Digital Advocate" by collaborating closely with departments and technology experts to understand evolving needs and promote the adoption of innovative digital tools throughout the Bank.
    • Grow as an "End-to-end Solution Maker" by turning creative ideas into practical solutions that delight our customers.

    Data and Analytics Office (DAO)

    • Gain a solid understanding of data management, control, and analytics to support the bank's plan for safe and smart data use.
    • Enhance data and AI skills to improve customer experience, increase efficiencies, and seize business opportunities, all while ensuring the safety of bank and customer data.

    Business Risk & Resilience (BRR)

    • Gain hands-on experience in risk management and control enhancement, playing a key role in protecting customers and supporting the Bank's sustainable growth.
    • Collaborate and learn from diverse teams to strengthen our resilience by focusing on key risks and controls through teamwork and innovation.

    Real Estate Services (RES)

    • Acquire comprehensive knowledge and understanding of end-to-end processes in real estate services management, including strategic/operational planning, construction management, and facilities management.
    • Participate in cross-functional projects that shape our real estate strategies, from site selection and leasing to sustainability and project deliveries.

    What to expect

    Finance Management Trainee Programme offers unique broad-based development experience to build core capabilities and new future skills throughout the different Finance functions rotation. You'll then rotate to other Businesses or Functions areas to gain broad banking exposure, collaborate with internal business partners and accelerate your career growth. The Programme prepares you for a strong-focused professional Finance careers and opens opportunities across Hang Seng to suit your interests and skills.

    Job attachment

    Asset Liability and Capital Management

    • Assist in preparing materials for the Bank’s Asset and Liability Committee (ALCO)
    • Work with businesses in managing liquidity and IRRBB risks
    • Take part in the preparation of risk-weighted asset calculations for capital reporting
    • Assist in the capital planning and forecast cycle

    Financial Reporting

    • Prepare the Group’s consolidated financial reports including statutory financial statements and published materials relating to interim and final results announcements
    • Prepare HKMA/PRA prudential returns and other reports required by other regulators
    • Prepare financial and regulatory related information to senior management, the Board and various committees
    • Ensure the financial compliance with the relevant regulatory requirements of the Banking Ordinance and HKMA SPMs and guidelines. Also perform accounting and ledger control functions 

    Financial Reporting Risk

    • Provide advice and guidance to support the risk policy for managing Financial Reporting Risk. Perform review and challenge to issues, actions and incidents reported by 1st line businesses and functions. Oversee remediation and closure of issues
    • Assist in accounting standards implementation, new product due diligence and provide accounting opinion to businesses
    • Ensure compliance in Sarbanes Oxley Act (SOX) in the Bank, including SOX deficiencies reporting and annual certification
    • Conduct periodic assurance reviews within and outside Finance function to ensure adequate controls are in place to mitigate Financial Reporting Risk, also to help improve the effectiveness of the operations within Finance function

    Finance Strategy and Execution

    • Support the HASE’s finance functions for implementing the operational risk and control management framework according to HSBC Group guidance
    • Liaise with Operational Risk and provide support and guidance to various Finance teams to ensure that appropriate operational risk and control identification and assessment is undertaken for Finance function in HK and oversea sites
    • Assist in the production of risk and control reports with regard to the advised committee meeting schedules to facilitate management for review and decision making

    Insurance Business Finance

    • Participate in finance and accounting related activities of the insurance operations under the Bank, including financial control, regulatory reporting, forecast & planning, product development & projects and ALCM/capital management
    • Interact with a wide diversity of business or functional departments such as the Actuarial, Investment, Operation and Business Departments
    • Gain an understanding of the Insurance Business Finance Department and the insurance industry specific knowledge
    • Learn the dynamics of how insurance operations' financial results are being incorporated into the Bank-wide bigger picture

    Investor Relations

    • Collect, organize, and analyze financial data from the bank’s reporting materials and other sources
    • Prepare clear and compelling investor presentations, factsheets, and other reporting deliverables
    • Manage the bank’s investor relations inbox, responding to inquiries from institutional investors
    • Attend and support the logistics of investor meetings, roadshows, and conference calls.
    • Ensure our bank is well understood by the market, sell-side analysts and credit rating agencies

    Product Control

    • Support the daily and monthly profit/loss and other production tasks related to the Bank's Markets and Securities Service and Markets Treasury to gain knowledge in market products
    • Gain knowledge and practice in performing different controls activities to manage risk, and in understanding the importance of non-financial risk
    • Involve in other ad hoc projects and new product due diligence and have exposure in user acceptance testing for system implementation

    Strategic Planning and Stress Testing

    • To understand how management accounting concepts are applied to the Bank's functions, and how your contribution to an accurate and timely management information report could make a difference in senior management's decision on the overall business
    • To develop valuable business analytic skills and understand keys to managing balance sheet risks, allocating resources as well as participate in budgetary preparation and control process
    • To support the identification of risks and opportunities by running financial forecast and stress testing exercises and closely collaborate with different stakeholders within the bank
    • To gain exposure in learning about the Bank's valuation in resolution (VIR) process which involves stress testing, financial projection, and the preparation of the intra-month balance sheet, liquidity forecast as well as capital plan

    Retail Banking & Wealth Business Finance

    • Collaborate with Retail Banking & Wealth business units to monitor the implementation of the financial plans
    • Prepare management information to facilitate monitoring and analysis of business performance
    • Work with internal stakeholders across Retail Banking & Wealth to track and streamline current sales data collection process
    • Support creating concise communication materials and present findings to management

    Wholesale Business Finance

    • Prepare timely and accurate management reports, analyze business trend and customer profitability
    • Conduct cost control to ensure expenses and FTEs are within budget and to support business initiatives
    • Collaborate with relevant parties including IT and Operation to ensure the accuracy and integrity of financial booking
    • Perform various analysis on business operating results and handle enquiries from Relationship Managers
    • Participate in sales MI projects

    Global Markets – Dealing

    What to expect

    The Global Markets MT Programme offers you unique development opportunities in Global Markets, working with our product specialists, traders and analysts who provide integrated financial solutions and 24-hour global markets coverage. Our IT infrastructure enables us to deliver quick access to key markets and up-to-date information to customers. You'll learn how we develop tailor-made treasury products to help customers better manage risks in the ever-changing market.

    You'll gain the necessary grounding and knowledge in various businesses and functions such as Trading, Markets Treasury, Structured Products, Treasury Solutions, etc.

    Job attachment

    Markets Treasury

    • Understand the roles and responsibilities of the Markets Treasury team in Hang Seng
    • Gain knowledge on how interest rate, liquidity and funding risks are managed

    Treasury Solution

    • Collaborate with various internal stakeholders such as Relationship Managers, branches and other internal departments, to identify customers’ hedging needs and provide appropriate treasury products and solutions

    Trading

    • Understand the purpose, structure, and framework of departments under Trading, such as Interest Rate Trading, Repo Trading, Foreign Exchange and Options Trading
    • Turn theory into practice, getting hands-on experience in trading, hedging activities and strategy formulation, spanning various asset classes in different markets around the globe

    Structured Products

    • Gain knowledge on the  structuring and development  of FX/Equity/Interest Rate-linked products
    • Understand the dynamics and competitive landscape of structured products as investment and hedging solutions to various client segments, including Retail Banking & Wealth, and Commercial Banking clients

     

    Global Markets – Data, Fintech, Business Management and Planning

    What to expect

    Our Global Markets Chief Operating Office executes change and ensures that key governance mechanisms are in place and potential risks are identified and mitigated with the embedment of the right risk and control culture. The team promotes operational excellence by collaborating with operational and functional teams and promoting a work environment that drives digital and data transformation. It plays a key role in operations and business management support for Global Markets (GM), as well as engages in strategic and financing resource planning.

    Job attachment

    Data and Planning

    • Support data change initiatives and delivery of business analytics use cases.  Understand data privacy and data quality control
    • Get involved in strategic and financial resources planning, strategy tracking and management reporting

    Transformation and Business Management

    • Participate in the Fintech development in support of GM’s needs. Get involved in transformation programmes and projects for GM
    • Get involved in supporting the desk’s business initiatives, drive changes for business growth and compliance with different requirements

    Non-Financial Risk and Regulatory Change

    • Understand the control and risk oversight in fulfilling the internal group and external regulatory requirements
    • Get involved in risk assessment and control testing, regulatory impact assessment and regulations tracking

    GM Operations

    • Gain hands-on experience in trade matching, stock, cash, ledger and intersystem reconciliations. Understand key controls imposed in day-to-day operations
    • Participate in post-trade monitoring on trade capture, processing, settlement and reconciliations

    What to expect

    Hang Seng Indexes Company Limited (HSIL) is the leading index provider for the Hong Kong and mainland China markets. HSIL calculates and manages the Hang Seng Family of Indexes, including the well-known Hang Seng Index and over 2,000 real-time and daily indexes. HSIL has always been at the forefront of the market, developing numerous market measures to help investors make their investment decisions.

    The HSIL MT programme offers you an exclusive opportunity to gain experience in index solutions research and development, an area that is increasingly becoming a pivotal force in the asset management industry. You’ll join us to offer sophisticated and authentic index solutions with high visibility to facilitate investors worldwide to make informed decisions. You'll also have exposure to different areas, including product, client management, management office and other Hang Seng businesses.

    Job attachment

    The attachment includes but not limited to:

    Product

    • Maintain the leading position of existing flagship indexes, e.g. HSI, HSCEI, HSTECH etc.
    • Nurture the usage of Hang Seng Family of Indexes and create new indexes to meet market demand
    • Develop new index solutions and data and analytics products to facilitate investors to make informed decisions, and create new revenue streams for HSIL

    Client Management

    • Connect with diverse range of clients, including asset managers, investment banks, broker dealers and other financial institutions to promote the use of Hang Seng Family of Indexes for investment funds and structured products creation, asset allocation, risk management and benchmarking purposes
    • Achieve business targets through cross-selling to existing customers or acquisition of new customers
    • Support the formulation and implementation of the overall sales strategy

    Management Office

    • Participate in preparation of HSIL strategic plan
    • Provide support to facilitate implementation of business strategies
    • Explore external partnership opportunities
    • Deliver and manage key change execution projects

    Other business attachment

    • You'll have the opportunity to attach to other businesses and functions in Hang Seng to gain a holistic exposure to Hang Seng’s bank-wide operations.

    Development offering

    At Hang Seng, we offer our Management Trainees a diverse and comprehensive learning curriculum in business, digital and data, technical learning, risk management, compliance and personal leadership development. The curriculum is designed to equip you with the key knowledge needed to perform at your best. You can also curate your own learning journey, with contents aligned to your development needs.

    We harness technology to provide an expansive and agile learning platform, tailoring the learning process to your specific needs. We adopt a hybrid approach with interactive virtual learning including the use of virtual reality technology and mobile apps gamified learning, combined with face-to-face classroom training.

    One of the most important elements of our development offering is to enable you to future-proof yourself. We offer an agile learning environment for the development of future skills, allowing you to adapt to a fast-changing business, social and technology landscape. Our Future Skills includes Growth Mindset, Creativity, Connectivity and Social Intelligence, Change and Transformation.

    You'll gain Future Skills through diverse learning activities, including active engagement with best-in-class enterprises and our strategic partners, and practice action learning in bank projects and dialogues with change leaders, as well as by job shadowing enterprise leaders and board members.

    Fintech is shaping the future of banking. You'll be well-equipped to navigate the latest fintech developments through rotations in related fintech areas, such as digital banking, innovation, data analytics and strategy, as well as Regtech. This part of your rotation will not be limited to our bank’s environment; there will be plenty of exciting opportunities to visit and engage with top-notch fintech  organisations and local startups, allowing you to stay updated on the latest fintech development, and inspiring you to contribute and help the bank consolidate its position as Hong Kong’s leading digital bank.

    Plenty of opportunities will be offered for you to participate in projects helping Hong Kong companies establish themselves and capitalise on cross-boundary business opportunities in mainland China and the Greater Bay Area. Your exposure will be increased by having attachment to our mainland branches and offices, gaining a better understanding of the financial market in China, local compliance and regulatory requirement, and so on.

    To facilitate your own network building, you'll be offered opportunities to take part in various external workshops and conferences, enabling you to learn from thought leaders and other professionals, ensuring you are up to date on best practices within our industry.

    During each of your attachment, you'll be assigned a mentor who will provide you guidance and coaching. You'll also be assigned a Management Trainee buddy from the same programme stream for additional support.

    We will help you attain professional qualifications as required in your chosen business/function stream. Such qualifications may include:

    • Chartered Financial Analyst
    • Certified Public Accountant
    • Certified Financial Planner
    • Certified Financial Risk Manager
    • Certified Banker
    • Certified International Investment Analyst
    • Project Management Professional
    • Society of Actuaries
    • Chartered Enterprise Risk Analyst (CERA)
    • Fellow, Life Management Institute – Life Office Management Association (FLMI – LOMA)

    As a Management Trainee, You'll have many opportunities to represent Hang Seng Bank at business events and corporate social responsibility functions, as well as participate in various internal staff activities, offering you the chance to polish your interpersonal and communication skills while building new relationships both within and outside of Hang Seng.

    Requirements

    We are looking for the following attributes and qualifications in candidates joining our MT Programme:

    • Innovative Mindset - Having forward thinking, being creative and open to testing;
    • Growth Mindset - Having the mindset of things can be improved through effort, learning, and persistence. Positive to challenges, adapt and evolve from failures;
    • Communicating with Impact - Communicating ideas confidently and competently in both written and verbal format. Adopt and adjust the approaches for different audience and purpose;
    • Management Skills - Competencies to better lead, motivate, organize, schedule, plan, budget, and problem-solve;
    • Exhibit integrity, empathetic and inclusive behaviours, acting with shared purpose, speaking up taking accountability and setting high standards;
    • Excellent written and spoken English and Chinese proficiency;
    • Bachelor’s degree (Second Honours) or above; with no more than 3 years of work experience;
    • Permanent resident of Hong Kong or holder of a valid Hong Kong work visa e.g IANG / Top Talent Pass Scheme (TTPS)

    Selection procedure

    1. Step 1

      Online application

    2. Step 2

      Online ability tests

    3. Step 3

      HR interview

    4. Step 4

      MT Assessment Centre and value assessment

    5. Step 5

      Final interview

    Metaverse x MT Programme

    Metaverse x MT Programme

    MT Finoland is a market leading initiative enabling us to make use of the metaverse to promote ourself and the Management Trainee Programme to university students. MT Finoland enables students to virtually get a taste of what it's to be like to be as a Hang Seng MT, highlighting the diverse training and career development opportunities, across different departments and functions. Users can explore MT Finoland at their own pace, when it is convenient to them.

    Campaign duration:

    3 Sep to 30 Nov 2024

    Register here

    Management Trainee Programme Frequently asked questions

    Only applications submitted through our online application platform will be processed. Your application will require you to provide the following: personal information, e-mail address, education history (including tertiary and secondary education and academic qualifications attained at secondary and tertiary levels, i.e. transcripts, public examination results), professional qualifications attained, details of extracurricular activities, work experience and language proficiency examination results.

    We recruit a mixture of talented graduates from a broad range of disciplines. We welcome applications from university graduates in any discipline. If you are interested in a career with us and can demonstrate the key competencies we are looking for, please submit your application in accordance with our requirements.

    Interview and assessment can be conducted virtually, even though you are currently studying abroad, you are strongly encouraged to submit your application and please ensure your contact information is accurate and updated.

    Candidates are asked to indicate their preference among different business / function streams. You should therefore take some time to familiarise yourself with the nature and requirements of each stream before making your application.

    You can login to our online application system to update your personal and / or application details.

    Qualified candidates will usually be notified for assessment within one month upon submission of their online applications completely. You can always check the recruitment status in CareerLink system.

    You are advised to be familiarised with not only the Bank’s culture & values, latest developments and the core competencies we are looking for. Besides, you should also keep yourself abreast of the market trends and developments.

    Useful information