[HO] - AUTO LOAN PRODUCT SPECIALIST

• Overview
• To support the design, development, and management of the Car Loan product portfolio in alignment with the bank’s business strategy, customer needs, and regulatory requirements.
• To participate in the full product lifecycle — from research, concept development, pricing, and process setup to implementation, monitoring, and continuous improvement — in collaboration with internal departments and external partners.

Main Activities/Tasks include

• Product Research & Development
• Conduct market studies and competitor benchmarking to identify trends, pricing practices, and customer needs in the auto loan market.
• Support the design and enhancement of car loan products, including product features, process flows, and documentation requirements.
• Draft product concept papers, proposals, and approval documents under the guidance of the Product Development Manager.
• Assist in testing new products or process changes before launch.
• Pricing & Profitability Analysis
• Collect and analyze data related to product performance, pricing, and profitability.
• Support the development and periodic review of car loan pricing models and parameters.
• Prepare performance dashboards and reports for management review.
• Process & System Coordination
• Work closely with Operations, Credit Risk, and Digital teams to ensure smooth loan origination and approval processes.
• Participate in user requirement preparation and testing for new system functions or process changes.
• Identify and propose process improvement opportunities to enhance efficiency and customer experience.
• Partner & Channel Support
• Coordinate with car dealers, manufacturers, and external partners for product-related campaigns and collaboration activities.
• Provide internal support for product training, marketing materials, and sales tool development.
• Support channel teams (branches, digital, partners) in resolving product or process issues.
• Performance Monitoring & Reporting
• Track product performance indicators such as disbursement volume and portfolio quality.
• Prepare regular and ad-hoc reports to support business reviews and strategic decisions.
• Assist in evaluating post-launch product performance and gathering customer feedback for improvement.

Education

• Bachelor’s or higher degree in Finance, Banking, Economics, or Business Administration.

Experience

• Minimum 2 years of experience in mortgage lending, product development, or real estate finance.
• Experience working with real estate developers or in project-based lending (project analysis and partnership negotiation).
• Preference will be given who has close network/relationship with large developers.
• At least 1 years in a supervisory or managerial role.

Skills

• Strategic planning and analytical thinking.
• Strong project and stakeholder management.
• Excellent communication, negotiation, and presentation.