[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.