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Wealth Management Manager / Financial Planner 财富管理经理/财务规划师 - Job Opportunity at Waterdrop Financial Services (HK) Limited

Hong Kong, HK
Full-time
Mid-level
Posted: July 10, 2025
On-site
HKD 360,000 - 480,000 per year (USD 46,000 - 62,000), with potential for significant performance bonuses reaching 50-100% of base salary depending on assets under management and client acquisition success

Key Responsibilities

Master comprehensive financial planning expertise and continuously monitor evolving market dynamics to provide cutting-edge advisory services that position clients ahead of market trends
Deliver holistic wealth management solutions that encompass portfolio optimization, risk mitigation, and long-term financial goal achievement for high-net-worth individuals and institutional clients
Conduct sophisticated financial analysis and architect customized wealth portfolios that align with client risk tolerance, investment objectives, and regulatory requirements across multiple jurisdictions
Implement continuous portfolio monitoring systems and execute dynamic risk management strategies to protect and enhance client wealth through market volatility
Strategically penetrate and expand market presence across both PRC and Hong Kong markets, leveraging cross-border opportunities to build a premium client base and drive revenue growth

Requirements

Education

Bachelor's degree in any discipline

Required Skills

Target-oriented responsible passionate about work proactive in learning Good communication skills adept at teamwork Fluent in Mandarin & Cantonese preferred

Certifications

Hong Kong ID/ IANG visa (currently effective/expired/eligible applicants who have not applied yet) / visa under Top Talent Pass Scheme (TTPS)/ visa under Quality Migrant Admission Scheme (QMAS)/ Dependent visa under TTPS or QMAS/ permit to enter Hong Kong and Macau (one-way permit)
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Sauge AI Market Intelligence

Industry Trends

The wealth management industry in Hong Kong is experiencing unprecedented growth driven by the Greater Bay Area initiative, which is creating substantial cross-border wealth flows between mainland China and Hong Kong. This regulatory framework is enabling more sophisticated financial products and services, particularly for high-net-worth individuals seeking international diversification. The integration of traditional wealth management with digital platforms is becoming essential, as clients increasingly demand seamless omnichannel experiences that combine personal advisory services with technology-driven portfolio management tools. Regulatory changes including the implementation of the Common Reporting Standard (CRS) and enhanced due diligence requirements are reshaping how wealth managers operate in Hong Kong. These developments are creating opportunities for firms that can navigate complex compliance requirements while maintaining client privacy and service quality. The trend toward sustainable and ESG-compliant investing is also gaining significant traction among affluent Chinese clients, requiring wealth managers to develop expertise in impact investing and sustainable finance products. The competition landscape is intensifying as both traditional banks and fintech companies expand their wealth management offerings. This is driving innovation in fee structures, with many firms moving toward outcome-based pricing models rather than traditional asset-based fees. The increasing sophistication of client expectations is pushing wealth managers to develop deeper expertise in alternative investments, cryptocurrency, and cross-border tax optimization strategies.

Role Significance

Typically operates within a team of 8-12 professionals including senior relationship managers, research analysts, and administrative support staff, with direct responsibility for managing relationships with 50-80 high-net-worth clients
This mid-level position carries substantial responsibility for independent client relationship management and portfolio construction, requiring the ability to make strategic investment decisions and provide comprehensive financial planning advice. The role involves direct accountability for client outcomes and revenue generation, positioning the incumbent as a trusted advisor rather than a junior support function.

Key Projects

Cross-border wealth structuring for mainland Chinese clients seeking Hong Kong and international investment exposure Development and implementation of multi-generational wealth transfer strategies incorporating trust structures and tax optimization Creation of sophisticated investment portfolios combining traditional assets with alternative investments such as private equity, real estate, and structured products Regulatory compliance projects ensuring adherence to both Hong Kong and mainland China financial regulations for cross-border transactions

Success Factors

Deep understanding of both Hong Kong and mainland China regulatory environments, including tax implications and compliance requirements for cross-border wealth management activities. This expertise is crucial for navigating the complex legal landscape that governs international wealth flows and ensuring client strategies remain compliant across jurisdictions. Exceptional relationship-building capabilities combined with cultural sensitivity to serve diverse client bases effectively. Success in this role requires the ability to build trust with high-net-worth individuals from different cultural backgrounds while maintaining the highest standards of confidentiality and professional service. Strong analytical and quantitative skills to construct and monitor complex investment portfolios across multiple asset classes and geographies. This includes the ability to perform sophisticated risk analysis and scenario modeling to optimize portfolio performance under various market conditions. Proven track record in business development and client acquisition, with the ability to identify and convert prospects into long-term wealth management relationships. This requires both strategic thinking and tactical execution in competitive market environments.

Market Demand

High demand driven by Hong Kong's strategic position as a wealth management hub for Asia-Pacific, with particular strength in serving mainland Chinese clients seeking international investment opportunities

Important Skills

Critical Skills

Bilingual communication proficiency in Mandarin and Cantonese is absolutely essential for this role, as it enables effective relationship building with the primary client demographic of Hong Kong residents and mainland Chinese investors. This linguistic capability is not just about translation but understanding cultural nuances that drive financial decision-making in these markets. Cross-border regulatory knowledge represents a critical competitive advantage, as the complexity of navigating Hong Kong and mainland China financial regulations creates significant barriers to entry for less experienced professionals. This expertise directly impacts the firm's ability to serve clients effectively and avoid compliance issues. Portfolio construction and risk management skills are fundamental to client success and retention in wealth management. The ability to create sophisticated investment strategies that perform well across different market conditions directly determines client satisfaction and long-term relationship sustainability.

Beneficial Skills

Technology proficiency in digital wealth management platforms and fintech tools would provide significant advantages in this role, as the industry continues to evolve toward hybrid human-digital advisory models. Understanding how to leverage technology for client communication, portfolio monitoring, and market analysis enhances efficiency and service quality. Alternative investment knowledge including private equity, real estate, and structured products becomes increasingly valuable as high-net-worth clients seek diversification beyond traditional asset classes. This expertise enables wealth managers to offer more comprehensive and competitive investment solutions. ESG and sustainable investing expertise is becoming increasingly important as institutional and individual investors prioritize environmental and social impact alongside financial returns. This knowledge helps wealth managers stay ahead of evolving client preferences and regulatory requirements.

Unique Aspects

The role offers unique exposure to the rapidly evolving intersection of traditional wealth management and fintech innovation, providing valuable experience in how technology is reshaping client engagement and portfolio management in the financial services industry.
Cross-border expertise development is a distinctive feature of this position, as it requires deep understanding of both Hong Kong and mainland China regulatory environments, tax implications, and cultural nuances in serving diverse client bases across these markets.
The company's NYSE listing provides unusual transparency and corporate governance standards for a wealth management firm serving the Chinese market, potentially offering more structured career development and performance management systems than typically found in smaller advisory firms.
Integration with the parent company's digital ecosystem may provide access to proprietary client data and market insights that can enhance investment decision-making and client service capabilities beyond what traditional wealth management firms can offer.

Career Growth

Progression to senior roles typically occurs within 3-5 years with strong performance, while advancement to director-level positions generally requires 5-8 years of demonstrated success in client relationship management and business development

Potential Next Roles

Senior Wealth Manager with expanded client portfolio and team leadership responsibilities Regional Wealth Management Director overseeing multiple markets across Asia-Pacific Private Banking Head responsible for entire high-net-worth client segments Chief Investment Officer role focusing on portfolio strategy and asset allocation

Company Overview

Waterdrop Financial Services (HK) Limited

Waterdrop Financial Services operates as the Hong Kong-based wealth management arm of Waterdrop Inc., a NYSE-listed company (WDH) that has established itself as a significant player in the Chinese fintech ecosystem. The company leverages its parent company's extensive digital platform and user base to bridge traditional wealth management services with innovative technology solutions, positioning itself uniquely in the competitive Hong Kong financial services market.

As a subsidiary of a publicly traded company, Waterdrop Financial Services benefits from strong financial backing and established market credibility. The company's position allows it to compete effectively with both traditional private banks and emerging fintech wealth management platforms, particularly in serving clients who seek cross-border financial services between mainland China and Hong Kong.
The Hong Kong location provides strategic advantages for serving both local high-net-worth individuals and mainland Chinese clients seeking international wealth management services. This positioning is particularly valuable given Hong Kong's role as a gateway for Chinese capital seeking global investment opportunities and international investors looking to access Asian markets.
The company culture likely combines the innovation-driven approach of its fintech parent with the relationship-focused traditions of wealth management. This creates an environment that values both technological advancement and personal client service, appealing to professionals who want to work at the intersection of traditional finance and digital innovation.
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