Product Manager - Cash Loan

In accordance with the applicable laws and regulations on personal data protection, including the Law on Personal Data Protection and its implementing regulations, Home Credit Vietnam Finance Company Limited (“Home Credit”) collects and processes candidates’ personal data for recruitment purposes and other related purposes in accordance with the Agreement, Notice and Acceptance for Personal Data Processing.

By submitting your application to Home Credit through Vietnamworks, you acknowledge that you have read, understood and agreed to the contents of the Agreement, Notice and Acceptance for Personal Data Processing available at the following link: https://career.homecredit.vn/en/article/agreement-notice-acceptance-for-personal-data-processing/, and consent to Home Credit collecting and processing your personal data in accordance with applicable laws and regulations.

KEY RESPONSIBILITIES

• Analyzes market trends, competitors, target customers and sales channels, identifies and develops on-going market insight, unique entrusted products’ proposition with clear differentiators from the competitors.

• Identifies business opportunities and develops & enhance cash loan products (parameters, pricing, opportunity identification, value proposition, positioning, prototyping, business case, product/system requirements, launch plan, market mix model, performance metrics, organize product launch, sales channels, marketing plan, process/systems development or enhancements, sales training, reporting, approval, etc.), and maintains existing entrusted products and coordinates cross-departmental activities in support of new products development, and management of related entrusted products’ changes and activities.

• Monitors and analyzes product performance, including sales volume, conversion, profitability, KPIs, and customer satisfaction, and proposes initiatives to improve business results .

• Evaluates sales performance and channel effectiveness, identifies performance gaps, and recommends improvements to optimize sales results, channel mix, and cost-benefit efficiency (CBA, SWOT analysis).

• Monitors end-to-end lending processes and customer journeys, identifying and driving improvements in process simplification, automation, and customer experience.

• Coordinates with Commercial, Risk, Finance, Operations, IT, and other relevant departments to ensure successful product development, implementation, and ongoing enhancements.

• Prepares business analyses, performance reports, and product proposals to support management decisions and business planning.

• Owner for assigned products and initiatives, translating product strategy into actionable plans to maximize business value, while collaborating with cross-functional teams and stakeholders to ensure alignment with business objectives and customer needs.

• University degree in Marketing, Economics, Finance, Banking, Business Administration, or related fields.

• Relevant experience in consumer finance, banking, product development, or business analysis

• Good understanding of consumer lending products, customer behavior, and industry dynamics.

• Strong analytical and problem-solving skills, with good commercial acumen and understanding of product performance and profitability.

• Experience in product development, project management, or business improvement initiatives.

• Good planning, communication, presentation, and cross-functional coordination skills.

• Proficiency in MS Office, particularly Excel and PowerPoint.

• Good command of English, both written and spoken.

Thưởng

13th Salary Fixed and KPI Bonus

Premium Health Care for employees (personal/family dependents)

Nghỉ phép có lương

15/18 Annual Leaves