Product Manager (B2B Insurance)

Company Description Viettel Digital Finance (VDF), formerly Viettel Digital Services, is the eighth member company of Viettel Group and is dedicated to pioneering inclusive digital finance. VDF's flagship product is the Viettel Money digital financial ecosystem, a leading payment intermediary in Vietnam by scale. The company also provides core payment platform solutions in seven international markets, serving approximately 50 million customers.
Guided by the mission "Pioneering the creation of comprehensive finance," VDF focuses on innovative, customer-centric financial solutions that expand access to digital financial services. Potential applicants can learn more or connect via email, hotline, or social media channels.
Address: Hanoi
JOB PURPOSE:
The Product Owner - B2B Insurance Channel is responsible for shaping the product strategy, building, and operating the B2B insurance distribution platform, connecting Viettel Digital with partners within the Viettel ecosystem (Viettel Telecom, Viettel Post, Viettel Construction, Viettel IDC, etc.) as well as external partners. As a key product architect, this role plays a pivotal part in realizing Viettel Digital's digital insurance agency business model.
KEY RESPONSIBILITIES:
1. B2B Product Strategy & Roadmap
Define the Product Vision and Product Roadmap for the B2B insurance distribution channel, aligning with Viettel Digital's overall business strategy and Viettel Group's InsurTech direction.
Conduct research and analysis on the B2B insurance market in Vietnam; benchmark regional B2B InsurTech models (Grab Insurance, AXA Partners, Igloo, Bolttech, etc.).
Establish the Go-to-Market (GTM) Strategy for each partner segment: Viettel Ecosystem (Phase 1), External Partners (Phase 2 ).
Define Embedded Insurance and White-label Insurance Distribution models tailored to different B2B partner groups.
2. B2B Platform Development & Management
Own and manage the entire Product Backlog for the B2B Insurance Distribution platform, including:
Partner Portal: Management portal for B2B partners (onboarding, dashboard, revenue & commission reports).
API Gateway / Integration Layer: Standardized API suite enabling partners to embed insurance products into their apps/systems.
Policy Management System: End-to-end policy lifecycle management (issuance, endorsement, renewal, claims notification).
Commission & Settlement Engine: Automated agent commission calculation and settlement.
Compliance & Reporting Module: Ensuring full compliance with regulations from the Ministry of Finance and the Insurance Supervisory Authority (ISA).
Write detailed and clear PRDs (Product Requirements Documents), User Stories, and Acceptance Criteria for the engineering team.
Collaborate with Solution Architects to design middleware architecture connecting Viettel Digital - Partners - Insurers.
3. Partner & Ecosystem Management
Work directly with units within the Viettel ecosystem to analyze requirements and design insurance distribution use cases tailored to each entity's specific needs.
Build a Partner Onboarding Framework: Standardized process from contract signing to technical integration go-live.
Coordinate with the Business Development team in negotiating with Insurers to design products optimized for B2B channels.
4. Agile Operations & Cross-functional Collaboration
Lead Sprint Planning, Sprint Reviews, and Backlog Grooming sessions using Scrum/Kanban methodologies.
Work closely with: Engineering Team, UX/UI Designers, Business Analysts, Legal & Compliance, Finance, and B2B Sales.
Track and report product KPIs: Active B2B partners, GWP (Gross Written Premium) via B2B channel, conversion rate, API uptime, and Partner NPS.
Manage dependencies between the B2B channel and the Viettel Money platform (payment gateway, eKYC, data layer).
5. Compliance & Risk Management
Ensure all products and processes strictly comply with the Insurance Business Law 2022, Decree 46/2023/ND-CP, and relevant regulations governing insurance agencies.
Coordinate with the Legal team to standardize agency contracts and data-sharing terms with B2B partners.
JOB REQUIREMENTS:
Must-have Requirements
Experience: Minimum 3-5 years of experience in Product Management, with at least 2 years as a Product Owner/Product Manager at Fintech, InsurTech, or Digital Banking companies.
Domain Knowledge:
Deep understanding of insurance business models: Life/Non-life insurance products, distribution channels, and agent commission structures.
Strong grasp of legal regulations on insurance business and insurance agency operations in Vietnam.
Hands-on experience with API-based integrations; solid understanding of REST APIs, webhooks, and data schemas in financial integration contexts.
Proficiency in Agile/Scrum methodology: writing User Stories, managing Backlogs, and utilizing Jira/Confluence.
Skills:
Data-driven mindset: utilizing metrics and insights to drive product decisions.
Strong stakeholder management: working effectively with both engineering teams and senior executives.
Business analysis capability to translate partner requirements into concrete product specs.
Professional working proficiency in English to read technical documentation and market research.
Nice-to-have Requirements
Prior experience at companies such as MoMo, ZaloPay, Grab Financial, FWD, Manulife Digital, Bao Viet, PVI, or InsurTech firms (Papaya, OPES, Inso, etc.).
Knowledge of Embedded Insurance, Digital Bancassurance, and Open Insurance APIs.
Professional certifications: CSPO (Certified Scrum Product Owner), PMP, or insurance certifications from the Insurance Association of Vietnam (IAV).
Experience building products within a corporate/group ecosystem.
Familiarity with AI/ML applications in insurance: risk scoring, dynamic pricing, and fraud detection.