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    Management Trainee Programme

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    Why Hang Seng Bank?
    Our business
    Management Trainee Programme
    Other graduate opportunities
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    Our programme at a glance

    Our Management Trainee (MT) Programme offers a structured foundation with the flexibility to shape your development along the way. We look beyond qualifications to your qualities, skills and ambition to help you discover where you’ll thrive. It’s a dynamic pathway designed to build on your strengths and open up meaningful career opportunities.

    What you can expect

    What you can expect

    You’ll be immersed in a fast-paced 24-month programme that accelerates your development through hands-on experience, cross-functional exposure and world-class learning that build the skills that matter.

    What you’ll do

    • Rotate across core departments to gain broad exposure, learn on the job and deliver meaningful work with real responsibilities
    • Work in cross-functional teams alongside experienced colleagues while building your network and confidence
    • Move into a focused placement to deepen your expertise and start shaping your long-term career path with us
    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

    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 and structured finance transactions
    • Acquire a basic understanding of commercial real estate loans and advances
    • Understand the structuring of sustainable finance deals

    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 Commercial Banking segment

    Global Payments Solutions

    • Understand product development of Global Payments Solutions
    • Understand management and commercialisation of product cycles

    Global Trade Solutions

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

    Strategic Change, Business Risk and Client Services

    • Understand the operational flow between Strategic Change, Business Risk and Client Services and other departments within Commercial Banking
    • Gain exposure to fintech and data analytics within the context of Commercial Banking

    Global Markets – Dealing

    What to expect

    The Global Markets MT Programme offers a unique development opportunity in Global Markets, working alongside product specialists, traders and analysts who deliver integrated financial solutions and 24-hour market coverage. With the backing of robust technology and IT infrastructure, you’ll help provide customers with timely market insights and access to key markets, while learning how we structure tailored treasury and market solutions to help customers manage risks in fast-changing market conditions.

    You'll gain hands-on experience through analysing market trends, interpreting data to spot patterns and insights, collecting and presenting data and contributing to management information and reports. You’ll also support the preparation of client pitch materials and assist with client portfolio coverage.

    Working closely with our Trading and Sales teams, you’ll contribute to real projects that strengthen client relationships and support the development of trading strategies. This provides broad exposure across core businesses and functions, including Markets Treasury, Treasury Solutions, Trading and Structured Products.

    Day-to-day work also includes using leading industry platforms such as Bloomberg and Reuters, alongside internal AI tools that help keep Global Markets moving.

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

    Structured Products

    • Gain knowledge on the structuring and development of Foreign Exchange, Equity and Interest Rate-linked products
    • Understand the dynamics and competitive landscape of structured products as investment and hedging solutions to various customer segments, including Wealth and Personal Banking and Commercial Banking customers

    What to expect

    Hang Seng Indexes Company Limited (HSIL) is Hong Kong's leading index compiler, covering the Hong Kong and Chinese Mainland markets with strong global presence. HSIL calculates and manages the Hang Seng Family of Indexes, including the flagship Hang Seng Index, Hang Seng China Enterprises Index, Hang Seng TECH 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 informed decisions.

    The HSIL MT programme offers you an exclusive opportunity to gain experience in index business, 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 is 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, data and analytics products and support digital platform development to facilitate investors to make informed decisions and create new business opportunities for HSIL

    Client Management

    • Connect with a diverse range of customers, 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 plans
    • Support implementation of business strategies and conduct research and planning for different strategic business studies
    • Explore external partnership opportunities
    • Deliver and manage key change execution projects

    Other business attachment in relation to investment exposure

    • You'll have the opportunity to attach to other businesses in Hang Seng to gain a holistic exposure to investment and index businesses

    What to expect

    The Retail Banking and Wealth (RBW) Management Trainee Programme gives you broad exposure across RBW’s diverse businesses. You’ll build a strong understanding of how RBW operates, including business drivers, profit and loss and our control framework, with experience across frontline, middle- and back-office teams. Through rotations across 5 key pillars, including Wealth, Everyday Banking, Digital and Projects, Risk and Customer Experience, you’ll play an active role in enhancing our products and services. You’ll also receive structured training, workshops and support towards professional qualifications, building the core banking capabilities crucial for transforming into a future-ready leader.

    Job Attachment

    Asset Management

    • Gain multi-faceted experience at Hong Kong’s leading Exchange-traded Fund (ETF) manager in terms of Assets Under Management (AUM), with opportunities to collaborate with diverse stakeholders across front-to-back office functions within the Asset Management business
    • Formulate and implement sales and distribution strategies for core business lines, including ETFs, Institutional, Wholesale and Mandatory Provident Fund (MPF), gaining extensive exposure to asset management products and in-depth experience in investment management, fund distribution, marketing and product development
    • Engage in strategic business expansion initiatives in Mainland China and overseas markets and implement branding strategies to drive sustainable business growth

    Retail Distribution

    Branch Network

    • Gain hands-on and in-depth retail banking experience by connecting with the diverse range of retail customers at one of our branches
    • Learn to create a great customer experience, achieve business growth, manage risk and steer digital transformation in a dynamic environment

    Private Banking

    • Serve clients at the top of the wealth continuum, delivering tailored wealth solutions through analysis, planning and coordination to help preserve, grow or transfer wealth and achieve beyond-banking ambitions
    • Drive business and performance outcomes through insight-led initiatives, campaign enablement and operational excellence underpinned by robust risk, governance and control

    Business Risk Management, Fraud and Credit Control

    • Exposure to risk and credit control management expertise, equipping you with the skills to identify, assess and mitigate business, conduct, financial crime, resilience and credit control risks
    • Gain hands-on experience in economic crime and fraud incident management, including regulatory requirements; designing and implementing fraud prevention and detection controls; and building insight into frontline challenges to strengthen analytical and investigative capabilities

    Customer Propositions and Management

    • Shape Hang Seng’s segment-led growth strategy across affluent, emerging affluent, young and Mainland China customers, translating customer insights into differentiated propositions that strengthen relevance, retention and long-term growth
    • Lead cross-functional proposition execution from start to finish, partnering with Product and Distribution teams to align acquisition, onboarding, engagement and retention around a cohesive customer journey
    • Understand and translate customer insights into actions through customer journey enhancement, process improvement and communications and campaign launches to cultivate a customer centric culture

    Data, Analytics and Customer Relationship Management

    • Drive relevant, ethical and high-impact AI development and adoption to optimise customer experience, accelerate business growth and enhance staff productivity
    • Leverage internal and external data to generate meaningful insights, shape intelligence-led strategies and decisions and deliver hyper-personalised, data- and AI-powered CRM experience across channels
    • Apply big data and AI to collections, underwriting and fraud (from detection through prevention) and proactively deliver efficiency gains across fraud operations, collections and underwriting

    Digital Banking

    • Participate in transforming digital platforms to improve user experience based on market best practices and supported by the latest technology and digital analytics
    • Contribute to projects and initiatives focused on digital journey enhancement, innovative fintech, digital marketing or partnership with other companies—all of which are increasingly important drivers of RBW’s revenue, cost savings and customer satisfaction

    Investments and Wealth Solutions

    • Gain experience and exposure by participating in the product development lifecycle, including generating product ideas, defining propositions and completing due diligence across a wide range of wealth solutions (e.g., funds, structured products, fixed income, FX/commodities, insurance, securities services and margin/investment financing) while working with internal front-to-back teams and external partners
    • Learn and develop sales and distribution strategies across channels, design financial planning processes and lead cross-product, tech-enabled value propositions to serve customers across segments and market scenarios
    • Produce wealth insights and investment commentary (market views, strategies, portfolio ideas), support platform development, and manage risk and controls to ensure compliance with HSBC Group / regulatory product governance, non-financial risk and conduct requirements

    Insurance

    • Gain insurance business exposure across functional teams, including Product Development, Distribution, Operations, Investment, Strategy, Customer Lifecycle Management and Marketing
    • Identify business opportunities by formulating distribution and commercialisation strategies to meet the changing needs of customers in a dynamic environment
    • Equip all-rounded insurance knowledge by participating in key business initiatives and supporting channel management of core distribution channels, including retail insurance, commercial insurance, digital insurance and partnerships

    Liabilities & Secured Lending

    • Gain valuable exposure to deposits, foreign exchange, mortgages, secured overdraft, premium financing and investment financing products
    • Assist in the design of new products, campaigns, usage growth initiatives, digital initiatives and projects such as Green Mortgage, product management activities including control, procedure and system change and other digital / business initiatives
    • Support the preparation of strategy papers, business proposals and reports for presentation to senior management

    Unsecured Lending and Payment

    • Gain hands-on exposure to credit cards, personal loans and payments and learn how these products are designed, managed and grown from start to finish
    • Support execution of business plans across customer acquisition, servicing and portfolio management
    • Build value propositions and marketing campaigns for sustainable growth, and use competitor and market analysis and customer insights to improve customer journeys and processes

    RBW Transformation and Business Architect

    • Turn business strategies and creative ideas into tangible solutions that create measurable value for customers and us
    • Define and design customer journeys via pain-point diagnosis and process mapping, as well as plan and deliver initiatives through agile project management
    • Drive business objectives and efficiency by implementing new ways of working, sharing best practices and mobilising teams across RBW, while steering technology investment and prioritisation, resource planning, risk and dependency management and programme governance

    We support you to succeed

    Well-structured onboarding journey that helps you land quickly and have clear expectations, key connections and the confidence to contribute from day one.

    A comprehensive introduction to our strategy and culture, how we operate and basics on risk and compliance, so you know what’s expected throughout your journey.

    Role-specific training to build core banking capabilities, with support to gain recognised qualifications to help you succeed.

    Interactive workshops to build your working fluency in digital, data and AI, with opportunities to learn and grow these skills through job rotation and bank-wide projects tied to current business priorities.

    Sessions with senior leaders and external experts sharing strategic updates, market trends and real business case to learn what greatness looks like to us.

    A tailored development plan for you with regular feedback, coaching and milestone check-ins to keep your growth on track.

    Wellbeing resources covering physical, mental and financial health, plus employee networks that help you always stay connected with us.

    Different opportunities to give back through community programmes and volunteering, so you can make a positive impact while building new skills, experiences and connections.

    Who you are

    If you’re in your final year of study or have recently graduated, our MT Programme is here to prepare you for future roles and set you on the path to a diverse, interesting and challenging career.

    We believe that diverse skills drive innovation, which is why we welcome students from all disciplines and encourage applicants from diverse background.

    You’ll likely thrive here if you’re:

    • Curious and a fast learner — you ask smart questions, pick things up quickly and stay open to new tools and new ways of working (especially in tech/AI)
    • Accountable with strong ownership — you take responsibility for your tasks, understand how your work contribute to the bigger picture and deliver high-quality work
    • Collaborative — you work well with people at all levels, contribute to shared goals and help others to succeed together
    • Clear and confident in communication — you can explain your ideas simply and clearly, write professionally and use data to tell a story
    • Resilient under pressure — you stay focused, adapt and keep your standards high

    Application guide

    1. Step 1

      10-15 minutes: Online application form

    2. Step 2

      90 minutes: Online assessment and job stimulation

    3. Step 3

      4 hours: Assessment centre

    4. Step 4

      60 minutes: Final interview

    Meet our people

    Jacky Lam, 2024 cohort / Hang Seng Indexes Company Limited stream

    From day one, I’ve been trusted with meaningful work that delivers real impact, supported by a people-first culture that accelerates my development. Cross-functional rotations have broadened my perspective and strengthened my collaborations across teams. I’ve worked closely with clients and market participants, gaining first-hand insights into the wider market ecosystem. With a non-finance background, I appreciate how the programme has deepened my expertise, sharpened my commercial mindset and built confidence in a fast-paced environment with like-minded colleagues.

    Michelle Lai, 2025 cohort / Commercial Banking stream

    As an Assistant Vice President on placement in Corporate Banking, my rotations have given me hands-on, client-facing experiences and helped me identify the right path for me. Coming from a non-business background, I value the support from mentors and senior leaders during my transition into banking. Structured training and the capstone project have strengthened my technical and professional skills, expanded my network and enhanced my collaboration skills across teams.

    Joshua Tsui, 2025 cohort / Global Markets stream

    I really appreciate how strongly the management supports our development throughout the MT programme, investing time and resources to help us grow. We’re encouraged to take on meaningful work, including product reviews and UAT projects and to build AI capability to boost our team's productivity. After joining an AI League competition, I now apply those learnings every day. The programme also sponsors our Certified Banker exams, offers personal development workshops and encourages volunteering to contribute to the community.

    Carmen Tsang, 2024 cohort / Retail Banking and Wealth stream

    Throughout the RBW MT Programme, rotations have been the highlight for me. They're characterised by strong network building, supportive mentoring and close collaboration with my colleagues and cohort, all while contributing to wider bank initiatives. Branch rotation has provided valuable frontline exposure, deepening my understanding of customers’ needs and service opportunities. Rotations across Wealth, Everyday Banking, Digital & Projects, Risk and Customer Experience have strengthened my end-to-end view of how we deliver outcomes. Sponsored qualifications and targeted workshops have enhanced my capabilities and confidence greatly.

    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.

    You can only apply for 1 MT Programme within HSBC Group per recruitment cycle.

    If you’re not sure whether the programme is right for you, you can join our recruitment events to meet our colleagues and learn about their day-to-day work, so that you can have a clearer picture of the opportunities available.

    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