(Senior) Product Development Specialist – Unsecured Credit Products
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Job Location:
Ho Chi Minh City - Vietnam
Monthly Salary:
Not Disclosed
Posted on:
2 days ago
Vacancies:
1 Vacancy
Job Summary
Trusting Social is building mass-market credit products that are accessible responsible and scalable. We are looking for a (Senior) Product Developement Specialist to work closely with the Product Manager in driving research development monitoring and continuous improvement of unsecured cash loan/installment products.
This role focuses on improving end-to-end lending product performance generating data-driven initiatives and enhancing customer lifetime profitability while maintaining affordable pricing for the mass segment and balancing growth risk and unit economics.
What Youll Do
1. Product Discovery & Research
- Conduct focused market competitors research and customer interview to identify high-impact opportunities for unsecured cash loan/installment products.
- Understand key drivers across pricing approval logic customer experience and monetization.
- Define target segments (mass/upper-mass) customer needs use-cases and key adoption barriers.
- Convert insights into clear business cases: demand and penetration potential unit economics growthrisk trade-offs and rollout hypotheses.
2. Product Design & Development
- Define core unsecured credit product: including eligibility criteria credit limits tenors repayment structures pricing/fees disbursement flow and customer communication framework.
- Translate product design into clear product documentation PRDs business rules user journeys and experiment specs.
- Work with Risk/Credit Data Science Engineering Ops Compliance Collections and Partnerships to deliver features and improvements from concept to successful launch.
3. Monitoring Insights & Optimization
- Own end-to-end lending KPIs including conversion rate disbursement utilization repayment risk (FPD/DPD roll rates loss fraud) and unit economics (profit margin CAC/LTV).
- Drive root-cause analysis for funnel drop-offs risk drift fraud patterns or operational bottlenecks; implement fixes with measurable outcomes.
- Run test-and-learn cycles (A/B testing cohort analysis ) to optimize pricing limits underwriting and customer experience.
4. Execution Reliability & Cross-functional Governance
- Plan releases and coordinate UAT rollout incident response and post-launch reviews.
- Ensure operational readiness: SOP alignment exception handling customer support playbooks and compliance checks.
- Provide clear weekly/monthly performance updates and decision memos for leadership.
How This Role Reflects Our Core Values
Extreme Ownership
- You take full responsibility for the health of assigned products not just individual tasks.
- You proactively identify issues drive them to resolution and follow through until outcomes improve.
Insight Driven
- You rely on data and evidence to prioritize problems and propose improvements.
- You are comfortable working with numbers trends and root-cause analysisnot just anecdotes.
Mindfulness
- You communicate clearly and calmly across teams especially during incidents.
- You listen carefully to partners customers and internal teams to understand real constraints before acting.
Audacity
- You challenge inefficient processes and outdated assumptions.
- You are willing to propose better ways of working experiment with improvements and learn from failures.
What Were Looking For
- 25 years of experience in lending product/fintech product/consumer finance with hands-on exposure to unsecured cash loan or installment products.
- Strong analytical skills: KPI design funnel/cohort analysis unit economics; strong Excel/Sheets; SQL is a must R/Python is a plus.
- Ability to write clear PRDs and translate business/risk needs into actionable requirements.
- Strong cross-functional execution with Engineering Risk DS Ops Compliance Collections and external partners.
- Comfort operating in ambiguity; bias to action; high accountability.
Nice to have
- Experience with underwriting/policy design pricing optimization credit lifecycle management fraud prevention or collections strategy.
- Experience scaling products through partner distribution or embedded finance channels.
Growth Path
This role can progress into:
- Associate Product Manager / Product Manager
- Product Strategy Associate Lending
- Product Strategy / Credit Growth
Growth is driven by ownership insight quality and measurable impactnot tenure.
What We Offer
- 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 byownership 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!
For more information about us please visit our website: Experience:
IC
Key Skills
- Sales Experience
- Marketing
- Customer Service
- Communication skills
- Military Experience
- Retail Sales
- Product Demos
- Customer Support
- Product Management
- Product Development
- Unity
- Microscopy
