Product Development Specialist (Digital Banking) – Credit Card Product

What You Will Do

Product development & enhancement

• Understand customer needs, market trends and competitors for credit cards / unsecured loans.

• Conduct user research (interviews, surveys, usability testing,…) to:

• Explore customer needs, behaviors and pain points across journeys;

• Validate product ideas, features and process changes before/after launch.

• Design and enhancement of product features, pricing, fees, limits, benefits and policies.

• Design and enhance core product features for credit cards / unsecured loans, including pricing & interest structure, fees, credit limits, tenure, repayment options, rewards & cashback mechanics, installment programs, promotions and key product policies.

• Develop and optimize cross-sell features and add-on products (e.g. installment plans, insurance add-ons, top-up loans, bundled offers with other bank products/partners) to increase customer engagement, deepen product usage and maximize portfolio profitability.

What You Will Do

Product development & enhancement

• Understand customer needs, market trends and competitors for credit cards / unsecured loans.

• Conduct user research (interviews, surveys, usability testing,…) to:

• Explore customer needs, behaviors and pain points across journeys;

• Validate product ideas, features and process changes before/after launch.

• Design and enhancement of product features, pricing, fees, limits, benefits and policies.

• Design and enhance core product features for credit cards / unsecured loans, including pricing & interest structure, fees, credit limits, tenure, repayment options, rewards & cashback mechanics, installment programs, promotions and key product policies.

• Develop and optimize cross-sell features and add-on products (e.g. installment plans, insurance add-ons, top-up loans, bundled offers with other bank products/partners) to increase customer engagement, deepen product usage and maximize portfolio profitability.

• Design and run A/B tests on pricing, benefits, bundles and offers to identify the best-performing propositions for each target segment.

Portfolio & performance management

• Monitor key KPIs: application, approval, activation, utilization, revenue, profitability.

• Work with Data & Finance to analyze portfolio performance and propose improvements and experiments.

Customer journey & process optimization

• Map and improve end-to-end customer journeys: acquisition, onboarding, usage, repayment, service, retention.

• Ensure products and processes comply with internal policies and regulations.

Portfolio & performance management

• Monitor key KPIs: application, approval, activation, utilization, revenue, profitability.

• Work with Data & Finance to analyze portfolio performance and propose improvements and experiments.

Customer journey & process optimization

• Map and improve end-to-end customer journeys: acquisition, onboarding, usage, repayment, service, retention.

• Ensure products and processes comply with internal policies and regulations.

• 2+ years working with credit card or unsecured lending products in Banking, Fintech or Consumer Finance.

• Experience in product management, business analysis or portfolio management.

• Good understanding of:

• Basic credit products & P&L drivers (revenue, cost, risk);

• Key product metrics: approval rate, utilization, delinquency, CLTV

• Able to use AI tools (e.g. ChatGPT, copilots, AI analytics/content tools) to:

• Support analysis, documentation, and market/competitor research

• Draft and refine product materials (BRD, FAQs, training, internal comms);

• Automate repetitive tasks to increase productivity.

• Knows how to validate and adjust AI outputs using business logic and data.

• Strong ownership, detail-oriented, and execution-focused.

• Fast learner, eager to understand customers, products and regulations.

• Able to structure problems, think logically and propose practical solutions.

• Good communication and collaboration with cross-functional teams.

• Positive, resilient, willing to handle ambiguity and pressure.

• Native Vietnamese speaker with good English (especially reading & writing).

• Competitive compensation package, including 13th-month salary and performance bonuses

• Comprehensive health care coverage for you and your dependents

• Generous leave policies, including annual leave, sick leave, and flexible work hours

• Fun and engaging team building activities, sponsored sports clubs, and happy hour every Thursday

• Grab for work allowance and fully equipped workstations

• Onsite lunch with multiple options, including vegetarian

• Unlimited free coffee, tea, snacks, and fruit to keep you energized An opportunity to make a social impact by helping to democratize credit access in emerging markets