Advisor/Director, Product and Solution (Unsecured Lending or Credit Card)

Job Purpose
Manage and be responsible for activities related to product/ Solution/ Journey development and management for division through:
Product/ Solution/ Journey design, embedded with customer experience required
Product/ Solution/ Journey policy và guidelines
Provide training knowledge on Product/ Solution/ Journey
Other tasks assigned by department Head
Key Accountabilities (1)
Deploy, coordinate with stakeholders and participate in the development and administration of policies related to customers:
Building and managing product trees and related documents of customers;
Coordinate with stakeholders to ensure the effectiveness of risk management, excluding legal risks, operational risks, compliance risks;
Responsible for the management, development, adjustment and standardization of regulations, guidelines, products/packages/business programs/solutions of the Division in accordance with the law, Techcombank's general policies and customer's need.
Development of products/product packages/Business programs/solutions
Responsible for/coordinating feasibility assessment and proposing product/solution development ideas, product/solution development planning
Responsible for/coordinating in building/adjusting products/product packages/solutions, sales programs to meet the needs of each segment/sub-segment/region/sub-sector on the basis of CVP
Building operating procedures - systems and services
Responsible for/coordinating design, construction, development, adjustment of operating processes from the perspective of product/product package/Biz program/solution, update problems (if any), propose alternatives, process improvements, modifications
Responsible for implementing or coordinating with Internal Divisions to improve and automate operational and service processes
Price and fee policy:
Responsible for/coordinating the development/adjustment and management of product/package/solution pricing models/promotions by segment/sub-segment, by regions/areas on the basis of CVPs, policies and orientations of Techcombank.
Develop and manage pricing policy/governance framework for customers
Monitoring/coordinating product portfolio management/product packages/solutions/promotions
Responsible/coordinating for monitoring and managing the effectiveness of products/product packages/Biz program and proposing solutions to improve operational efficiency
Project:
Participate in projects related to products/solutions for business customers
Training and capacity development:
Drafting training documents for Products/Solution
Participating in and implementing sharing / training / coaching for consulting forces on products and solutions
Other tasks assigned by the department head
Key Relationships - Direct Manager
Head of Function
Key Relationships - External Stakeholders
Customers, organizations, business associations, state agencies (GSO, tax authorities ...)
Success Profile - Qualification and Experiences
Bachelor's degree in Economics / Finance / Banking / Marketing / Business Administration
Priority to have a master's degree or higher
Minimum 12 years working experience in banking/finance/credit/marketing with:
Understanding of solutions to improve performance of division (resource, system, operations, risk management)
Understanding of banking activities
Understanding of strategy, business model, CVP
Mimimum TOEIC 650 or equivalent