- This role will focus specifically on managing the development, implementation, and optimization of personal loan products within our digital banking platform. The ideal candidate will have a deep understanding of personal lending products, strong analytical skills, and a passion for driving innovation in financial services.
- Achieve company product launch and business target.
Job Responsibilities
- Stay abreast of industry trends, regulatory changes, and emerging technologies in personal lending to identify opportunities for innovation and improvement.
- Cultivate and maintain strong relationships with external partners, including credit bureaus and fintech companies, to leverage expertise and expand product offerings.
- Conduct market research and competitive analysis to identify opportunities for product differentiation and enhancement.
- Prepare product document to submit to Product Committee VPBank, include but not limit to request for product approval, product regulations and execution process. Collaborate with technology teams to define product requirements and prioritize feature development based on customer insights and business goals.
- Develop and implement pricing strategies, loan terms, and underwriting criteria to maximize profitability while maintaining competitive interest rates and ensuring customer affordability.
- Work closely with marketing and sales teams to develop effective campaigns and promotional strategies to drive awareness and adoption of personal loan products.
- Develop and execute the strategy forlendingproducts in alignment withCake Bank's overall objectives and market demands.
- Lead cross-functional teams in the design, development, and launch of new personal loan products, ensuring compliance with regulatory requirements and risk management standards.
- Other duties as required.
Job Skills & Qualifications
- Bachelor's degree in Finance and Banking sector
- 25years of experience with lending products in banks and consumer finance or fintech, with a good understanding of the lending regulations and market practices
- Excellent communication skills to handle cross-functional teams and partners;Analyzing skills
- Thorough understanding of personal lending products, including unsecured personal loans, salary loans, and consumer finance, as well as relevant regulatory requirements in Vietnam.
- Understanding ofprocessesand systems of the bank including core banking
- Willingness to try and fail with new concepts and new ways of thinking. Comfortable with uncertainty for outcomes
- High degree of ownership and constructive sense of urgency
- Ability to handle competing priorities, tight turnaround, and multiple deadlines
- Detail-oriented with strong time management and organizational skills
