Technical Product Owner (Lending)

Role Overview
We are looking for an experienced
Tech Product Owner - Lending to own the end-to-end product lifecycle of our lending portfolio. This is a hands-on technical product role where you will work embedded with engineering teams in an Agile/Scrum environment. You will drive product strategy, write detailed technical requirements, and collaborate daily with developers, QA, and DevOps to ship high-quality lending products
.
Key Responsibilities
Agile Product Ownership
Act as Product Owner in Scrum teams, owning and prioritizing the product backlog
Run sprint planning and backlog grooming meetings with engineering teams
Write clear user stories with acceptance criteria in INVEST format
Make prioritization decisions and unblock the team
Product Strategy &
Roadmap
Define and own the lending product roadmap aligned with business objectives
Conduct market analysis, competitive research, and customer insights to identify opportunities
Prioritize features based on customer value, business impact, and technical feasibility
Break down epics into deliverable vertical slices for iterative releases
Technical Product Development
Lead end-to-end product development: ideation, requirements, UAT, launch, and iteration
Write detailed PRDs with technical context (API specs, data flows, system dependencies)
Work closely with backend, frontend, mobile engineers and QA on technical feasibility and trade-offs
Participate in API contract reviews and integration planning
Feature Ownership
Origination Digital loan applications, instant eligibility checks, e-KYC and e-signature flows
Loan Products Revolving credit lines, short-term loans, instalment loans, and buy-now-pay-later
Pricing &
Limits Interest rate and fee structures, credit limit management, tenors
Repayment Flexible repayment schedules, early settlement, auto-debit, payment reminders
Collections Delinquency prevention, grace periods, dunning workflows, restructuring, write-off handling
Customer Experience Loan tracking, balances and statements, self-service on mobile app, push notifications
Platform Responsibility
Cake App (End-user) Own lending features on mobile app - loan application, repayment, transaction history, statements, notifications
Cake Portal (Bank Staff) Own internal tools for lending operations - approval workflows, limit adjustment, dispute handling, collections, customer support workflows
Lending Platform (Backend) Own product rules and loan lifecycle configuration across origination, loan management, and core banking integrations
Stakeholder Management
Partner with Risk, Credit, Compliance, Operations, Collections, Finance, Customer Service, and Business Development teams
Present product updates, performance, and roadmap to leadership and stakeholders
Manage vendor relationships (credit bureaus, e-KYC providers, payment and collections partners)
Analytics &
Optimizatio n
Define KPIs: approval and take rates, activation, utilization, delinquency, revenue, unit economics, NPS
Analyze portfolio performance and drive data-driven improvements
Design and run experiments (A/B tests) on pricing, limits, tenors, and collections treatments; scale what wins
Partner with Finance and Data to maintain an accurate, agreed view of product performance in the market and in the books
Requirements
Mandatory
5+ years of Product Management experience in the Lending/Credit domain at a bank or fintech
Deep understanding of the loan lifecycle: origination, disbursement, repayment, collections, write-off
Hands-on experience with lending products: personal loans, revolving credit/overdraft, or BNPL
Knowledge of loan economics: interest and fee structures, repayment schedules, accrual and provisioning basics
Experience with loan processing systems (loan origination, loan management system, core banking integrations)
Agile &
Technical Skills
Proven experience working in Agile/Scrum teams as Product Owner or Tech PM
Proficient with Jira, Confluence, and agile tools for backlog management
Strong understanding of APIs, REST, system integrations, and technical architecture
Ability to read and review API documentation, sequence diagrams, and technical specs
Comfortable with SQL and analytics tools for portfolio analysis and dashboarding
Experience with mobile app product development and release cycles
Comfortable working in fast-paced, iterative development environments
Soft Skills
Strong analytical and problem-solving skills
Excellent communication in English and Vietnamese
Understand developer mindset, empathize with their challenges, and support their needs to ensure features are delivered correctly per product requirements
Nice to Have
Experience with digital-first or neo-bank lending products
Knowledge of Vietnam banking regulations (SBV) on consumer lending and credit
Background in credit risk management, underwriting, collections, or product finance/accounting
Hands-on experimentation experience (A/B testing, incrementality measurement)
MBA or relevant advanced degree
Our benefits:
Competitive compensation including a 13th-month wage and up to 3 months of performance-based bonus.
BE Corp budget (Vary from your level) is allocated for using services such as transportation, food, and passenger car bookings in Be application.
MacBooks and needed devices are currently supplied to all technical team members.
Social insurance (BHXH) (vary from your levels) and 100% gross salary applied including probation.
Annual health checks and premium medical healthcare (PTI) after probation.
15 days of annual leave is applied for the entire employees.
Cozy and creative working space, comfortable working hours, exceptional team members, fast-growing & prosperous products and cutting-edge technical stacks.
Company trips, team-building activities, and happy hour events are organized on a quarterly or annual basis.