Product Owner (Banking & Insurance Loyalty Integration)

JOB SUMMARY:

The Product Owner leads the loyalty-integration product stream that enables banks and financial companies to package, sell, and settle loyalty services through our platform. The role operationally reports to the Senior Product on discovery & delivery backlog, supervises one BA, and aligns closely with Business/Partnerships to onboard new institutions, complete documentation, and deliver commission and loyalty point revenue for the company while reporting administratively to the Head of Product.

KEY RESPONSIBILITIES:

Product Discovery & Partner Strategy:

- Articulate product vision, business objectives, and outcome-based roadmaps for loyalty integrations to the squad and stakeholders.

- Translate high-level company’s product roadmap into prioritized discovery backlogs covering partner needs, commercial levers, and regulatory constraints.

- Map partner onboarding journeys (KYC, compliance, credit approval, earning/redemption flows) to identify blockers and scope the right solutions.

- Collaborate with UI/UX, BA, and Tech to prototype flows that validate usability, feasibility, value, and business viability when market data is limited.

- Analyze loyalty technology competitors and third-party vendors relevant to banking/insurance partnerships to inform buy/build/integrate decisions.

Product Development & Integration Delivery:

- Own the end-to-end backlog for loyalty integration, ensuring user stories, BRDs, and acceptance criteria from the BA cover API, middleware, data migration, and reporting needs.

- Define delivery plans that balance strategic objectives with the top-line requirements from Head of Product/Product Manager and partner commitments.

- Coordinate cross-functional squads to finalize technical solutions, integration contracts, SLAs, and compliance documentation.

- Lead prototype-to-build handoffs, manage change requests, and ensure adherence to the product development process from concept through go-live and retirement.

- Coordinate with Business and Finance teams to understand and support implement commission structures, loyalty-point pricing, and partner invoicing flows embedded in the product.

Launch, Enablement & Monitoring:

- Prepare partner onboarding playbooks, run training for internal related teams (Business/Operation/Customer Services/etc), and secure all legal/finance approvals before launch.

- Conduct Product briefing session for all new product features.

- Collaborate with Business/Partnerships on go-to-market timelines, sales forecasts, and readiness materials for each partner.

- Track integration status, release scope, and production metrics (adoption, commission revenue, point balances) to rapidly prioritize improvements.

- Facilitate retrospectives and feedback loops with partners and internal teams to capture enhancements and scale best practices.

Vendor & Stakeholder Management:

- Negotiate and manage workstreams with loyalty-platform vendors, payment processors, and point-liquidity providers that plug into banking/insurance clients.

- Maintain tight communication with Engineering, Compliance, Legal, Finance, and Marketing so that dependencies and risks are surfaced early.

- Provide structured updates and escalation paths to the Product Manager and Head of Product; ensure documentation is complete for audits and governance.

Team Leadership & Ways of Working:

- Coach and review the BA’s deliverables to raise clarity, completeness, and analytical rigor.

- Champion agile rituals (refinement, planning, reviews) that keep the virtual squad focused on outcome delivery versus output.

- Foster a proactive, data-informed culture while remaining decisive when data is scarce.

- 3+ years as a BA Lead/Product Owner/Product Manager delivering loyalty, card, insurance, or payment solutions for banks, fintech lenders, or financial services firms.

- Demonstrated experience leading analysts and coordinating cross-functional squads without direct authority.

- Deep understanding of credit-card engagement, digital banking, insurance & financial service processes, KYC/AML controls, and how loyalty point liabilities are governed.

- Proven record of shipping integration-heavy products (APIs, middleware, data migration) and managing partner/technical documentation.

- Strong stakeholder communication in Vietnamese and English, with the ability to influence senior client teams.

- Comfortable shaping commercial packages (commission, point pricing) and aligning them with Finance/Legal policies.

- Good listener – able to take unexpected feedback.

- Practiced in Agile/Scrum/Squad environments, crafting backlogs that connect discovery insights to delivery outcomes.

- Customer-centric, creative problem solver who balances intuition with data and continuously shares knowledge with the team.

- Plus: Experience with core banking APIs, loyalty SaaS vendors, or digital product startups; hands-on exposure to UX/UI design or technical implementation is advantageous.

- Competitive salary package (Base salary and performance bonuses).

- Probation period salary is 100% of the official salary.

- Comprehensive health and accident insurance.

- 15 days of annual leave.

- Provision of work equipment (Macbook/ Laptop, mouse, monitor, etc.).

- A creative and modern working environment.