Ngân hàng TMCP Việt Nam Thịnh Vượng (VPBank)

Senior Lending Product - TA137

Quận 1, Hồ Chí Minh

Posted 1 week ago and Job expires in 4 days from now

Ngân Hàng

Responsibilities

Primarily responsible for researching, developing, and managing the end-to-end portfolio of overdraft pproducts;
Primarily responsible for planning the number of new contracts and disbursements for OD products within the assigned scope, across different sales channels, risk groups, and customer segments. Responsible for proposing financial targets and risk metrics for the OD product portfolio within the assigned scope;
Responsible for providing consultancy, researching, developing, and managing overdraft products within the assigned scope for all customer segments under the management of the Retail Banking Division;
Responsible for conducting market analysis and developing overdraft product plans within the assigned scope, aligned with VPBank's business strategy in each period;
Responsible for developing sales policies for products within the assigned scope, tailored to each individual customer segment, in line with the product development direction of the Retail Banking Division and the Bank;
Responsible for managing the pricing policy of overdraft products within the assigned scope for all segments;
Responsible for collaborating with IT to develop product requirements within the assigned scope and conducting testing;
Responsible for training and guiding staff on new product launch and development processes, as well as key performance indicators at VPBank;
Responsible for working with and supporting related units (Risk Management Division, Card Center - Operations Division, etc.) in controlling risks associated with overdraft product operations, managing periodic and ad-hoc reports as required by the management board, and performing other tasks as assigned by the management board from time to time.

Requirements

1. Trình độ học vấn

Educational Qualifications

Bachelor's degree. Minimum 3-5 years of experience in loan product development/ loan product risk management at reputable financial institutions or banks.

2. Kiến thức/ Chuyên môn Có Liên Quan

Relevant Knowledge/ Expertise

In-depth knowledge of loan/overdraft product development
Knowledge of product profit management using the SAP model (or similar models) and business planning
High level of confidence, energy, and commitment
Ability to manage conflicts
Data analysis skills and a results-oriented mindset
Ability to work under challenging deadlines.

3. Các Kỹ Năng/ Skills

Project management skills
Presentation and training skills
Communication skills
Teamwork and team management skills
Fluent in English
Strong analytical and reporting skills.

5. Các năng lực cần có/ Required Competencies

Logical thinking
Systems thinking
Technological acumen
Creative thinking
Ability to work under pressure
High discipline

Benefits

Attractive income, competitive salary and bonus according to ability
Bonus on Holidays and New Year (according to banking policy from time to time)Get preferential loans according to the bank's policy from time to time
Attractive leave mode according to job rank
Compulsory insurance according to labor law & VPBank care insurance for employees depending on rank and working time
Participate in training courses depending on the Training Framework for each position
Working time: Monday - Friday & Saturday morning (two Saturday mornings/month off)
Dynamic, friendly working environment with many opportunities for training, learning and development; participate in many interesting cultural activities (sports event, talents, teambuilding activities...)