Morgan Stanley Private Wealth Management (PWM) Asia provides highly customized financial advice, investment solutions and brokerage services to individuals, families and foundations.
As Morgan Stanley’s premier service for individuals and families with significant means, we specialize in providing our clients with custom-tailored financial solutions and a level of sophistication and access to expertise and investments typically reserved for large corporations, financial institutions and governments.Role Overview:Lead the design, delivery, and optimization of deposit and loan products for Morgan Stanley’s Asia Wealth Management clients. This role focuses on creating tailored solutions for UHNW and corporate clients while driving balance sheet efficiency and managing treasury-related risks. Your expertise in product strategy, cross-functional execution, and P&L oversight will be critical to success in a fast-paced, collaborative environment.Key Responsibilities:Product Strategy & DevelopmentDesign, launch, and enhance deposit (e.g. structured deposit) and loan offerings (e.g. SBLC) tailored to wealth clienteleDevelop product roadmaps based on market analysis, competitive benchmarking, and client needsLifecycle & Performance ManagementOversee end-to-end product lifecycle: ideation, business case, pricing, launch, monitoring, and iterationEstablish product KPIs, dashboards, perform profitability analysis, and recommend enhancementsBalance Sheet & Treasury OptimizationCollaborate with Treasury on ALM, liquidity management, and funding strategiesOptimize balance sheet through strategic deposit pricing, product term structuring, sweeps, and loan portfolio deploymentRisk & Compliance OversightPartner with Risk and Treasury to manage interest rate, liquidity, credit, and FX exposuresEnsure regulatory compliance with HKMA, Monetary Authority of Singapore and Basel III throughout the product lifecycleCross-Functional CollaborationWork closely with Sales, Operations, Risk, Finance, Legal, and Technology teams for seamless product rolloutsProvide training, create client-facing and internal collateralQualifications & Experience:Bachelor’s degree in Finance, Business, Economics, or related field; MBA/CFA/CPWP preferred7+ years of experience in banking product management, specifically in deposits and loans, with a focus on wealth or SME clientsDemonstrated experience in balance sheet impact and treasury-managed risk product designStrong knowledge of regulatory, ALM, and product P&L frameworksExcellent analytical, communication, and stakeholder management skills across regionsFamiliarity with AI tools and technologies, and a keen interest in leveraging AI to enhance workflowsWHAT YOU CAN EXPECT FROM MORGAN STANLEY: At Morgan Stanley, we raise, manage and allocate capital for our clients – helping them reach their goals. We do it in a way that’s differentiated – and we’ve done that for 90 years.  Our values - putting clients first, doing the right thing, leading with exceptional ideas, committing to diversity and inclusion, and giving back - aren’t just beliefs, they guide the decisions we make every day to do what's best for our clients, communities and more than 80,000 employees in 1,200 offices across 42 countries. At Morgan Stanley, you’ll find an opportunity to work alongside the best and the brightest, in an environment where you are supported and empowered. Our teams are relentless collaborators and creative thinkers, fueled by their diverse backgrounds and experiences. We are proud to support our employees and their families at every point along their work-life journey, offering some of the most attractive and comprehensive employee benefits and perks in the industry. There’s also ample opportunity to move about the business for those who show passion and grit in their work. To learn more about our offices across the globe, please copy and paste https://www.morganstanley.com/about-us/global-offices​ into your browser.Morgan Stanley is an equal opportunities employer. We work to provide a supportive and inclusive environment where all individuals can maximize their full potential. Our skilled and creative workforce is comprised of individuals drawn from a broad cross section of the global communities in which we operate and who reflect a variety of backgrounds, talents, perspectives, and experiences. Our strong commitment to a culture of inclusion is evident through our constant focus on recruiting, developing, and advancing individuals based on their skills and talents.