Product Manager

• Develop new business strategies, initiatives of credit line products aligned with company’s strategies
• Develop, deploy new credit line products’ parameters, set pricing, new customer segments based on market and customer analyses.
• Engage with cross functional teams at VPB FC to develop, implement initiatives, corrective actions in term of selling process, product characteristics, marketing campaign, risk performance and other aspects.
• Monitor business performance efficiency of new product during the pilot and existing products versus target based on regular report
• Monitor business performance of credit line products in multi dimensions (revenue driver, acquisition cost, risk performance, portfolio movements, operational performance indicators)
• Highlight deviations in credit line products performance, potential sources of growth/ improvement and suggest corrective actions accordingly.
• Develop and update product program reflecting significant changes in term of financial drivers, risk performance, risk policy, distribution, underwriting, operation processes, etc…
• Develop new/ adjusted distribution channels, selling process, selling policies
• Lead and develop team member toward targets
• Track cards portfolio revenue and costs, take proactive measures to enhance revenue and optimize costs.
• Take proactive measures to improve segment level as well as account level profitability.
• Identify the right target and to create the right pricing mechanisms based on risk adjusted yield objectives around fees and APR.
• Monitor new age digital trends & provide insights on channel level profitability metrics for cards business.
• Undertake other tasks assigned by Center Director

• Bachelor Degree in Economics, Finance (degree from the leading foreign university is a plus)
• At least 4 years (2 in managerial position) in one of the next industries:

+ Product and/or marketing strategy in major banking/ insurance institution / MNCs

+ Product/portfolio management

• Experience of Vietnam market or relevant experience in developing markets
• Experience and proven track record in product development, portfolio management, business technology
• Understanding of Consumer Finance & Retail Banking
• Proven track record as product manager
• Language: English – fluent
• Quantitative and qualitative analytical methods
• Financial products portfolio management
• Project management skill
• People management skill
• Problem solving skill
• Leadership and teamwork skill
• Strong communication skills
• Ability to work under pressure and time management