Job description
Market analysis, Customer segmentation, competitor product research... to develop and build new unsecured loan products
Responsible for developing product packages for individual customers according to the product orientation of the Science and Technology Division and the Banking Division
Responsible for driving digitization of unsecured loans and overdraft products Product portfolio management
Responsible for managing the portfolio of unsecured lending products, balancing risks and product returns
Responsible for monitoring the P&L of each product to ensure that the P&L goals of the entire portfolio are met
Responsible for UPL product pricing policy for all segments
Responsible for adjusting products, credit policies and prices in line with VPBank's general policies and business orientations from time to time for the science and technology segment and together with the Customer attraction & sales promotion department. New disbursement for unsecured products
Responsible for developing and modifying the credit granting process to shorten the application processing time of unsecured loan products.
Responsible for managing and assigning relevant reports to relevant leaders and departments on performance data of unsecured lending products.
Responsible for assigning a focal point to assist business units in deploying unsecured loan products, responsible for handling business cases related to unsecured lending products that product managers have can't handle
Job requirements
1. Education Level
Graduated from University in Economics/Banking/Finance
2. Relevant Knowledge/Expertise
Knowledge of retail banking, especially personal loan products
Minimum 5 years of working experience in retail banking or 3 years of experience in product research and development