seasoned banker with demonstrated history of working in the banking industry across different segments and products skilled in segment strategic formulation product development data analysis & portfolio mgmt @ Fusion Bank
Kowloon, Hong Kong SAR
Ray WS Tsang
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FlashIntel GPTRay WS Tsang is a highly experienced professional with over 26 years of work experience in the banking industry. He has a wide product range, including payment, deposit, loans, investment, and cash management. Ray has worked in various countries, including global, local, and China. He has developed a management framework that combines science and art to deliver results across different products, customer segments, and cultures. Ray is currently the Director, Head of Deposits & Payment at Fusion Bank in Hong Kong. He is passionate about FinTech and believes it is crucial in the banking industry.
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Employment Highlight1. Wide product range: More than 26 years experience on banking product / proposition development, covering payment, deposit, loans, investment and cash management (liquidity management & corporate deposit products such as GIO, PIO, notional pooling, physical pooling, slab pricing etc).2. Segment exposure: Spent half of time on personal banking and the another half on commercial banking (SME & MME).3. Culture experience: Have worked at global, local and China background banksBacked by the above-mentioned exposure, I have developed a management framework consisting of both science (data analysis) and art (know-how on macro and micro environment). This framework has been proven to be effective in delivering results across different products, customer segments and cultures.I took several FinTech courses and obtained certificates in The University of Hong Kong last year. Personally, I advocate FinTech as I believe it is not only crucial in banking industry but also indispensable in our daily life.
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seasoned banker with demonstrated history of working in the banking industry across different segments and products skilled in segment strategic formulation product development data analysis & portfolio mgmt
Director | Head of Deposits & Payment
Financial Services
Ray WS Tsang's Professional Milestones
- Assistant Manager, Unsecured Loan, Consumer Banking (1999-09-01~2002-12-01): Optimized operational efficiency to maximize loan profitability and enhance client satisfaction.
- Wealth Management Development Manager, Strategy, Proposition & Channels Asia Pacific (2004-08-01~2006-06-01): Building and implementing successful investment strategies across Asia Pacific to drive investment across the Asia Pacific region.
Skill
Portfolio Management
Product Development
Cash Management
Product Management
Loans
Transactional Banking
Deposits
Commercial Banking
Wealth Management
Personal Banking
Certification
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Ray WS Tsang works for Fusion Bank
Ray WS Tsang's role in Fusion Bank is seasoned banker with demonstrated history of working in the banking industry across different segments and products skilled in segment strategic formulation product development data analysis & portfolio mgmt
Ray WS Tsang works in the industry of Financial Services
Ray WS Tsang's colleagues are Ryan Chan,Alan Lui,Albert H.
Ray WS Tsang's latest job experience is seasoned banker with demonstrated history of working in the banking industry across different segments and products skilled in segment strategic formulation product development data analysis & portfolio mgmt at Fusion Bank
