Digital Portfolio Analytics - TA189

Responsibilities
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
D. Funnel & Customer Journey Analytics
Build and monitor end-to-end digital funnels across key customer journeys, including: Traffic → Login → Product View → Application → Completion → Activation → Usage
Identify drop-off points and customer friction across Digital Bank journeys.
Analyze conversion rates by customer segment, channel, campaign and product.
Work closely with Product, UX/CX and Digital Sales teams to recommend improvements to customer journeys and conversion.
Measure the impact of journey enhancements through before/after analysis and A/B testing
E. Data, Dashboard & Analytics Capability
Define and maintain a standardized Digital Bank KPI framework and ensure a single source of truth for portfolio performance.
Develop automated dashboards and management reports for daily, weekly and monthly performance monitoring.
Collaborate with Data / EDA / Data Engineering teams to improve data quality, availability and analytical capabilities.
Promote self-service analytics and reduce dependency on manual reporting.
Leverage advanced analytics, AI and predictive models to improve customer targeting and portfolio optimization.
F. Business Insights & Stakeholder Management
Translate complex data into clear business insights, recommendations and actions.
Prepare portfolio performance reviews and strategic deep-divives for Digital Bank management and senior leadership.
Work closely with Product, Segment, Marketing, CRM, Finance, Risk, CX, Data and Technology teams.
Act as the analytical partner for Digital Bank business teams in identifying and prioritizing growth opportunities.
2.Qualifications
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
3.Benefits
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...)
Working time: from Monday to Friday & 2 Saturday mornings/month.