About the role
We are looking for a hands-on, Ai-native
Product owner to own product development across our lending portfolio - Cashloan, Payday, BNPL, Overdraft and Merchant Loan.
You will take products from problem to launch and beyond: discovery, requirements, build, UAT, go-live, and iteration. You will work closely with Tech, Design, Risk, Credit, Compliance, and Operations, across both the Cake app and our embedded partner channels.
You also move faster than a traditional PM, because AI is a default part of how you work - and you know how to put AI to work inside the product, not just around it.
What you will do
Discovery and definition
Own the roadmap and backlog for your assigned lending products.
Turn customer needs, funnel data, and business goals into clear problem statements, prioritized features, and measurable outcomes.
Write Business Requirement Documents (BRDs), user stories, and acceptance criteria that Tech and delivery teams can build from without further clarification.
Run discovery: customer and stakeholder interviews, competitor teardowns, and opportunity sizing.
Build, launch, and iterate
Drive the full development cycle: requirement clarification, solution design, UAT, go-live coordination, and post-launch monitoring.
Work daily with Tech, Design, Risk, Credit, Compliance, and Operations to ship features that are fast, compliant, and easy to use.
Own the go-to-market rollout together with BD, Marketing, and Operations. Define success metrics before launch and make sure they are measurable.
Run experiments (A/B tests, staged rollouts) and iterate based on real usage and portfolio results.
AI-native ways of working
Use AI tooling (LLMs, Claude / Claude Code, BigQuery, internal knowledge base) as a default part of your workflow - to draft BRDs, analyze data, prototype, and ship faster.
Identify and design opportunities to embed AI into lending products and journeys - smarter onboarding, underwriting support, personalization, servicing automation, fraud and risk signals.
Build and maintain reusable AI-assisted workflows, prompts, and skills that raise the whole team's velocity, not just your own.
Stay current on AI capability and translate it into concrete, shippable product bets - signal over hype.
Data and performance
Read portfolio, funnel, conversion, and vintage/cohort data directly, and use it to prioritize and to prove impact.
Monitor P&L, conversion, and delinquency (LG2 / NPL) by product and channel.
What we are looking for
Must have
1-3+ years in product management for lending, fintech, or digital financial products. The role is open up to Supervisor level.
A track record of shipping products end-to-end, from discovery through launch to iteration.
Solid understanding of the product lifecycle and products
AI-native: you already use AI tools in your daily work and can show us concretely how. Having shipped AI-powered features is a strong plus.
Data-native: comfortable with SQL / BigQuery, funnel analysis, and cohort analysis.
Clear BRD and spec writing, strong stakeholder management, and direct communication.
Nice to have
Experience with embedded or partner lending channels.
Familiarity with Vietnamese lending regulation - enough to build compliantly.
Benefits for this position
Competitive compensation including a 13th-month wage and up to 3 months of performance-based bonus.
Laptop and other needed devices are currently supplied to all employees.
BE Corp budget (vary from your level) is allocated for using services such as transportation, food, and passenger car bookings in Be application.
The social insurance contribution amount will vary based on the individual's level.
Annual health checks and premium medical healthcare (PTI) after probation.
15 days of annual leave is applied for the entire employees.
Company trips, team-building activities, and happy hour events are organized on a quarterly or annual basis.