[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.