Digital Portfolio Analytics - TA189

A. Digital Portfolio Performance Management

• Monitor and analyze the overall performance of the Digital Bank portfolio across key dimensions including customers, products, balances, transactions, revenue and profitability.
• Develop portfolio performance frameworks and management dashboards covering key business KPIs such as:
• Active customers / MAU
• Digital engagement and transaction frequency
• CASA / deposit balances and AU
• Product holding / product penetration
• Revenue / TOI / PBT / profitability per customer
• Customer acquisition, activation and retention
• Cross-sell / upsell performance
• Conduct regular performance reviews and identify key drivers behind portfolio growth or underperformance.
• Perform root-cause analysis and recommend corrective actions to improve portfolio performance.

B. Customer & Behavioral Analytics

• Analyze customer behavior across the Digital Bank ecosystem to understand how customers acquire, activate, engage, transact, purchase products and churn.
• Develop customer segmentation based on customer value, digital behavior, transaction behavior, product holding and engagement level.
• Identify behavioral patterns and triggers that indicate opportunities for:
• Next-best-product / next-best-actio
• Cross-sell and upsell
• Balance growth
• Engagement enhancement
• Retention / churn prevention
• Develop customer lifecycle analytics across Acquisition → Activation → Engagement → Monetization → Retention.
• Identify high-potential customer cohorts and provide recommendations for personalized customer treatments.

C. Product & Portfolio Analytics

• Analyze performance of Digital Bank products and propositions including deposits, CASA, payments, cards, lending and other digital financial solutions.
• Evaluate product penetration, adoption, utilization, balance, revenue and profitability across different customer cohorts.
• Identify opportunities to improve product propositions, pricing, customer journeys and product placement on Digital Bank
• Support Product Owners in defining business cases and quantifying potential financial impact of new products, features and policies.
• Conduct pre- and post-launch analysis to evaluate whether new features and products deliver expected customer and financial outcomes

Yêu cầu năng lực

A. Qualifications & Experience

• Bachelor’s degree or above in Finance, Banking, Economics, Business Analytics, Data Analytics, Statistics or related disciplines
• 3–5+ years of experience in Banking, Fintech, Digital Banking, Portfolio Management, Business Analytics, Customer Analytics or related areas.
• Strong understanding of retail banking products and customer economics.
• Experience in customer segmentation, portfolio analytics, funnel analytics, campaign analytics and business performance management is preferred.
• Experience working with large customer and transactional datasets is highly desirable.

B. Core Competencies

• Strong analytical and structured problem-solving skills.
• Strong commercial and business acumen.
• Ability to translate data into actionable business recommendations.
• Customer-centric and digital-first mindset.
• Strong ownership and result orientation.
• Ability to communicate complex analytical findings in a simple and compelling manner.
• Strong stakeholder management and cross-functional collaboration skills.
• Comfortable working in a fast-paced, data-driven Digital Bank environment

• Competitive salary and bonus package
• Staff loan with special interest rates
• Training courses based on the job, Training framework/Learning RoadMap for each position
• Insurance in accordance with Labor laws + VPBank Care insurance for all employees. (insurance covered for family members for entitled employees);
• Annual leave (varied based on job grade)
• Travel allowance
• A dynamic and friendly working environment, full of great opportunities to develop your career and abundant interesting activities to join (Sports competitions, talent contests, teambuilding...

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