Senior Cards Product Manager

*According to Decree No.13/2023/ND-CP on protecting personal data (“PDP”), Home Credit Vietnam would apply "Personal Data Processing Agreement" with all candidates to ensure compliance with the decree.

By submitting this application to Home Credit Vietnam Finance Company Limited through LinkedIn, you agree to allow Home Credit to proceed your provided information in accordance with Personal Data Processing Agreement that you have read, fully understood and agreed to the entire content at link https://career.homecredit.vn/vn/article/id/217.

KEY RESPONSIBILITIES

Portfolio Growth Strategy

• Develop and implement a comprehensive strategy to achieve credit card portfolio growth

objectives.

• Analyze market trends, customer behavior, and competitive insights to identify opportunities for

card portfolio growth.

• Manage goals and priorities for spend stimulation, balance growth, credit limit management and

life-time value optimization

Campaign Development and Execution

• Oversee the design and execution of high-impact campaigns to increase cards portfolio spending

and customer life-time value.

• Ensure all initiatives are customer-focused, delivering tangible value and aligning with brand

objectives.

• Monitor campaigns performance and lead continuous improvement efforts.

Portfolio Analysis and Optimization

• Lead the analysis of portfolio performance to uncover growth opportunities and mitigate potential

risks occurred during .

• Work closely with Cards Business Analytics team to develop portfolio growth that maximize

portfolio value.

• Devise, develop and regularly maintain portfolio strategy, short- and long-term goals, tactics and

programs based on the business strategy, opportunities and plans, budget, potential of market,

target customers, consumer needs, competitors, resources and abilities.

Team Collaboration and Cross-Functional Leadership

• Partner with internal teams to create cohesive growth strategies.

• Act as the primary interface between the portfolio team and stakeholders to ensure alignment and

support.

• Initiate and cooperate with Marketing and CVM team on preparation of marketing and targeted

communication campaigns, include internal and external communication (preparation of campaign

briefs – target customers’ definition, main benefits, differentiators from competitors, etc.) and

marketing materials (like leaflets, posters, direct mails, etc.), on update of products information on

company, partners and public websites, social network,...

• Promote a collaborative culture that drives innovation and operational excellence.

Leadership and Mentorship

• Lead and inspire a team of professionals to achieve their individual and collective goals.

• Foster a high-performance culture, ensuring team members have the resources and support

needed to excel.

• Provide mentorship and career development opportunities to build a strong team

JOB REQUIREMENTS

• Education: Bachelor’s degree in Business Administration, Finance, Banking, or a related field. MBA or equivalent advanced degree is highly desirable.

• Proven leadership experience, including managing cross-functional teams and large-scale initiatives.

• Extensive experience in credit card portfolio management, customer engagement, and loyalty program design.

• Proven success in driving digital engagement and familiarity with digital adoption strategies and financial technology trends.

• Strong background in data-driven decision-making and campaign optimization.

• 3+ years experience in Consumer Finance, Banking or E-commerce experience with a good perspective of the consumer and Revolving products, processes, pricing, technologies, etc.

• Understanding of the Credit Card Business & Vietnam Market.

• Experienced in customer lifecycle management and utilizing consumers insights to drive engagement.

• Proven Project Management delivery.

• Excellent cooperation, negotiation, presentation and decision-making skills to implement initiatives and deliver results.

• Proficient with MS Office (Excel, Word, PowerPoint,...).

• Fluent in English.