[HO] – TRƯỞNG PHÒNG PHÁT TRIỂN SẢN PHẨM VAY KHÁCH HÀNG TIỂU THƯƠNG – SOHO LOAN PRODUCT DEVELOPMENT MANAGER

• Overview
• To lead the design, development, and management of SOHO loan product portfolio, ensuring alignment with business strategy, regulatory compliance, and profitability objectives.
• 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.

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.