Work Location
Ho Chi Minh Job LevelManager Job TypePermanent QualificationBachelor Experiences5 Years SalaryNegotiable IndustryAccounting / Auditing / Tax,Banking,Corporate Banking,Corporate Finance,Corporate Sales,Credit , Loan,Finance / Investment,Sales / Business Development Deadline to Apply31/12/2026
Job Benefit
- Insurance
- Travel opportunities
- Allowances
- Uniform
- Incentive bonus
- Health checkup
- Training & Development
- Salary review
- Annual Leave
- Sport Club
Job Description
Overview
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To lead the design, development, and management of SOHO loan product portfolio, ensuring alignment with business strategy, regulatory compliance, and profitability objectives.
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To involve full product lifecycle management — from conceptualization, design, pricing, and process setup to implementation, monitoring, and continuous improvement — in close collaboration with sales, risk, operations, and digital channels.
Main Activities/Tasks include:
Product Strategy & Development
- Lead the end-to-end development of the SOHO Loan product, including new product initiatives, feature enhancements, and process redesigns.
- Conduct market research and analyze customer behavior, competitor offerings, and industry trends to identify product opportunities.
- Develop product proposals for management approval, including financial projections, profitability analysis, and risk assessment.
- Define and document product parameters, including target segments, loan purpose, eligibility criteria, pricing structure, repayment terms, and required documentation.
- Establish business priorities and effective sales approaches to drive loan growth and achieve business targets.
Pricing & Profitability Management
- Design pricing strategies in line with market competitiveness and bank profitability targets.
- Monitor and analyze portfolio performance metrics
Performance Monitoring & Reporting
- Establish and track index related to product growth, profitability, and process efficiency.
- Prepare regular performance reports and business insights for management.
- Conduct post-launch reviews and implement product enhancement plans as required.
Job Requirement
Education:
- Bachelor’s or higher degree in Finance, Banking, Economics, or Business Administration.
Experience:
- Bachelor's degree or higher in Banking, Finance, Business Administration, Economics, or a related field.
- Minimum 5–7 years of experience in banking, preferably in Retail Lending, Loan Product Management, or Business Development.
- Strong knowledge of SOHO lending, loan pricing, and credit processes.
- Experience in product development, business strategy, pricing management, and strategic partnership development.
- Strong analytical, problem-solving, and business planning skills.
- Good understanding of banking operations, credit policies, and relevant regulatory requirements.
- Strong leadership, communication, negotiation, and stakeholder management skills.
- Good command of English and proficiency in Microsoft Office applications.
- At least 1 year in a supervisory or managerial role.
Skills:
- Strategic planning and analytical thinking.
- Strong project and stakeholder management.
- Excellent communication, negotiation, and presentation.
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