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Products Manager (Cash Loan)

Updated: 13/08/2019

Employment Information


  • Laptop
  • Insurance
  • Allowances
  • Incentive bonus
  • Health checkup
  • Annual Leave

Job Description


Product Manager is responsible for strategic development and management of the product’s roadmap and portfolio (product parameters, pricing, profitability, processes, methodology, etc.) based on the adopted company and business strategies and opportunities with a focus on enhancing the definition and growth of the products in its market.


  • Be responsible for strategic development and management of the company product’s roadmap and portfolio (entire product lifecycle from strategic planning via concepts, phasing out the product to tactical activities across the whole product portfolio and each product) to achieve company over-all strategic, business and financial goals.
  • Oversees the day-to-day management and operations of the Product Management team, while maintaining focus on the business strategic goals and financial objectives.
  • Devises, develops and regularly maintains product strategies, short- and long-term product goals, sales plans, tactics and programs based on the business strategy, opportunities and plans, budget, potential of market, target customers, consumer needs, competitors, resources and abilities.
  • Cooperates on set up of sales plans, financial plans and budget, and tracks product portfolio performance versus budgets, ensuring achievement of plans despite variances/challenging operating environment.
  • Using knowledge of the market, competitors, target customers and sales channels, identifies and develops on-going market insights, unique product proposition with clear differentiators from the competitors.
  • Identifies and develops new products and services, and maintains existing products and services (parameters, pricing, opportunity identification, value proposition, positioning, prototyping, business case, product/system requirements, launch plan, market mix model, performance metrics, organize product launch, sales channels, marketing plan, process/systems development or enhancements, sales training, reporting, approval, etc.) and coordinates cross-departmental activities in support of new products development, and management of related products’ changes and activities.
  • Defines, monitors and manages product profitability, KPIs, NPS and reporting.
  • Monitors and evaluates sales results and effectiveness metrics of the product portfolio (CBA, SWOT analysis), proposes changes to improve sales results, product effectiveness and optimal mix of sales channels leading to achieve better CBA.
  • Monitors and manages end-to-end product processes, identifies and initiates improvements/simplifications in processes in cooperation with other relevant internal departments and/or external partners.
  • Cooperates with Risk, Operations and IT Departments to find best methods and approaches to deliver credit offers, credit initiation and lending capabilities to potential and existing customers (necessary to deliver on both growth and customer experience).
  • Initiates customers, competitor and market researches with cooperation with Marketing & PR team to monitor and evaluate market and competitors’ development, voice of customer (VOC), voice of sales (VOS), etc. to adjust product portfolio (parameters, pricing, processes, systems, etc.) accordingly.
  • Develops and maintains product methodology and product templates, including contract and conditions, in cooperation with other relevant internal departments and/or external partners. Publishes and maintains all necessary internal product information for other relevant departments on intranet or other tool for information sharing (including keeping history of all changes).
  • Initiates and cooperates with Marketing & PR team and CRM team on preparation of marketing and CRM campaigns, incl. internal and external communication (preparation of campaign briefs – target customers’ definition, main product benefits, product differentiators from competitors, etc.) and marketing materials (like leaflets, posters, direct mails, etc.), on update of product information on company, partners and public websites, social networks, etc.
  • Initiates and cooperates with Sales Training team on preparation of trainers (train the trainer approach), product training materials, training courses and sales tools, etc.
  • Provides technical product help desk/support service to other relevant company departments, to partners and customers. Addresses and solves all issues and complaints related to products.
  • Sets performance goals/targets (KPI) for the whole Product Management team, and monitors performance of each team member on a continual basis.
  • Evolves and trains the Product Management team to ensure their superior performance, and personal and career development for each team member.
  • Participate in other relevant projects assigned by Line Manager

Job Requirement

Qualification & experience

  • University Degree (Marketing, Economics & Finance or Banking)
  • At least 3 years’ experience in senior product development and product management position in a Consumer Finance foreign company or a Bank
  • Loan consumer finance or banking experience with a good perspective of the consumer or cash loan products, processes, pricing, technologies, etc.

Knowledge & Skills

  • Proven track record in product planning, defining and launching successful loan products and managing loan product portfolios
  • Understands the business and industry dynamics of consumer/ cash loans, and is passionate to deliver new and winning solutions
  • Analytical skills - ability to use and simplify complex information/data and various metrics to set-up and develop products with an informed and factual business case
  • Ability to interpret regulatory requirements and application to products and processes
  • Acts as a Product Portfolio Owner and works as a Partner
  • Customer-value/service and problem-solving oriented
  • Project management and planning skills
  • Positive leadership style and motivator to be better positioned to drive, influence and inspire Product Management team
  • Ability to manage, lead and coordinate people and teams in cross-departmental/matrix environment 
  • Ambitious and target focused with a drive to succeed
  • Be willing to work in team environment
  • Enable to work under the pressure
  • Be responsible to organize and complete assigned tasks on time without compromising quality of result on multiple projects and activities
  • Initiative/innovative/flexible/proactive, passion to growth, attention to detail oriented
  • Open-minded, creative, result-oriented, hard-working, persistent, highly trustworthy, loyal
  • Excellent cooperation, negotiation, presentation and decision-making skills to acquire accurate information and convey this back to the business
  • Empathy and ability to cooperate and give challenges and inputs not only to Product Management team, but to all teams within the company
  • Team development and management skills
  • Excellent at communication skills in Vietnamese and English both written and verbal that will ensure all materials, reports and presentations are clear, concise, and convincing
  • Computer literacy – highly proficient in MSOffice for the purpose of creating visually and verbally engaging materials, reports and presentations and in Analytical systems to evaluate product portfolio performance
  • Willing to travel

More Information

  • Degree: Bachelor
  • Age: Unlimited
  • Job type : Permanent

Company Overview


http://www.easycredit.vnCompany size: 500
At EASY CREDIT, we are fully aware how important employee are for the development of our company. Thus, we are looking for the talent who can work with a...Detail

Products Manager (Cash Loan)


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