Product Development Specialist (Digital Banking) – Credit Card Product

Hanoi - Vietnam

Monthly Salary: Not Disclosed

Posted on: Yesterday

Vacancies: 1 Vacancy

Job Summary

Trusting Social is an AI Fintech pioneer thats revolutionizing credit access in emerging markets. Our mission is Advancing AI to Meet the Financial Needs of Everyday Consumers with Empathy. Weve assessed over 1 billion consumers across four countries and were on a mission to provide 100 million credit lines using the power of AI and Big Data.

We are looking for a Product Development Specialist to build and grow our credit card and unsecured lending products.

You will lead the end-to-end product lifecycle from customer and market research product design pricing & policy process improvement to performance tracking and optimization. The role works closely with Risk Operations Sales Marketing Digital and Data to deliver profitable growth and great customer experience.

If you are looking for opportunities to deepen your experience in customer understanding product development portfolio management and data-driven marketing we encourage you to apply.

What You Will Do

Product development & enhancement

Understand customer needs market trends and competitors for credit cards / unsecured loans.
Conduct user research (interviews surveys usability testing) to:
- Explore customer needs behaviors and pain points across journeys;
- Validate product ideas features and process changes before/after launch.
Design and enhancement of product features pricing fees limits benefits and policies.
Design and enhance core product features for credit cards / unsecured loans including pricing & interest structure fees credit limits tenure repayment options rewards & cashback mechanics installment programs promotions and key product policies.
Develop and optimize cross-sell features and add-on products (e.g. installment plans insurance add-ons top-up loans bundled offers with other bank products/partners) to increase customer engagement deepen product usage and maximize portfolio profitability
Design and run A/B tests on pricing benefits bundles and offers to identify the best-performing propositions for each target segment.

Portfolio & performance management

Monitor key KPIs: application approval activation utilization revenue profitability.
Work with Data & Finance to analyze portfolio performance and propose improvements and experiments.

Customer journey & process optimization

Map and improve end-to-end customer journeys: acquisition onboarding usage repayment service retention.
Ensure products and processes comply with internal policies and regulations.

What you need to have

2 years working with credit card or unsecured lending products in Banking Fintech or Consumer Finance.
Experience in product management business analysis or portfolio management.
Good understanding of:
- Basic credit products & P&L drivers (revenue cost risk);
- Key product metrics: approval rate utilization delinquency CLTV
Able to use AI tools (e.g. ChatGPT copilots AI analytics/content tools) to:
- Support analysis documentation and market/competitor research
- Draft and refine product materials (BRD FAQs training internal comms);
- Automate repetitive tasks to increase productivity.
Knows how to validate and adjust AI outputs using business logic and data.
Strong ownership detail-oriented and execution-focused.
Fast learner eager to understand customers products and regulations.
Able to structure problems think logically and propose practical solutions.
Good communication and collaboration with cross-functional teams.
Positive resilient willing to handle ambiguity and pressure.
Native Vietnamese speaker with good English (especially reading & writing).

What we offer

Join our team and enjoy:

Competitive compensation package including 13th-month salary and performance bonuses
Comprehensive health care coverage for you and your dependents
Generous leave policies including annual leave sick leave and flexible work hours
Convenient central district 1 office location next to a future metro station
Onsite lunch with multiple options including vegetarian
Grab for work allowance and fully equipped workstations
Fun and engaging team building activities sponsored sports clubs and happy hour every Thursday
Unlimited free coffee tea snacks and fruit to keep you energized
An opportunity to make a social impact by helping to democratize credit access in emerging markets

At Trusting Social we live by ownership integrity and agility in execution. We believe in doing whats right whats best and whats innovative. If youre smart driven and want to make a difference in the world with the most advanced and fascinating technology we invite you to be part of our rockstar team!

Additional Info

Learn more about us here:

Experience: