MÔ TẢ CÔNG VIỆC
• Be responsible for development, management and enhancement of cash loan products (entire cash loan lifecycle from planning via concepts, phasing out the cash loan products to concrete sales and marketing activities) to achieve company over-all strategic, business and financial goals.
• Devises, develops and regularly maintains cash loan strategy, short- and long-term cash loan goals, sales plans, tactics and programs based on the business strategy, opportunities and plans, budget, potential of market, target customers, consumer needs, competitors, resources and abilities.
• Set-ups sales plans, financial plans and budget for cash loan products and tracks their performance versus budget, ensuring achievement of plans despite variances/challenging operating environment.
• Using knowledge of the market, competitors, target customers and sales channels, identifies and develops on-going market insight, unique cash loan proposition with clear differentiators from the competitors.
• Identifies and develops new cash loan products (parameters, pricing, opportunity identification, value proposition, positioning, prototyping, business case, product/system requirements, launch plan, market mix model, performance metrics, organize product launch, sales channels, marketing plan, process/systems development or enhancements, sales training, reporting, approval, etc.), and maintains existing cash loan products and coordinates cross-departmental activities in support of new cash loan products development, and management of related cash loan products’ changes and activities.
• Defines, monitors and manages cash loan profitability, KPIs, NPS and reporting.
• Monitors and evaluates sales results and effectiveness metrics of the cash loans (CBA, SWOT analysis), proposes changes to improve sales results, cash loan effectiveness and optimal mix of sales channels leading to achieve better CBA.
• Monitors end-to-end cash loan processes, identifies and initiates improvements/simplifications in processes in cooperation with other relevant internal departments and/or external partners.
• Cooperates with Risk, Operations and IT Departments to find best methods and approaches to deliver credit offers, credit initiation and lending capabilities to potential and existing customers (necessary to deliver on both growth and customer experience).
• Initiates customers, competitors and market researches with cooperation with Marketing & PR team to monitor and evaluate market and competitors’ development, voice of customer (VOC), voice of sales (VOS), etc. to adjust cash loans (parameters, pricing, processes, systems, etc.) accordingly.
• Initiates and cooperates with Marketing & PR team and CRM team on preparation of marketing and CRM campaigns for cash loans, incl. internal and external communication (preparation of campaign briefs – target customers’ definition, main cash loan benefits, cash loan differentiators from competitors, etc.) and marketing materials (like leaflets, posters, direct mails, etc.), on update of cash loan information on company, partners and public websites, social networks, etc.
• Initiates and cooperates with Sales Training team on preparation of trainers (train the trainer approach), cash loan training materials, training courses and sales tools, etc.
• Provides technical cash loan help desk/support service to other relevant company departments, to partners and customers. Addresses and solves all issues and complaints related to cash loan products.
YÊU CẦU
Kinh nghiệm
Không yêu cầu
Qualification & experience
• University Degree (Marketing, Economics & Finance or Banking)
• At least 3 years’ experience in product development and product management position in a Consumer Finance foreign company or a Bank
• Loan consumer finance or banking experience with a good perspective of the consumer or cash loan products, processes, pricing, technologies, etc.
Knowledge & Skills
• Proven track record in successful development and management of consumer/cash loans
• Understands the business and industry dynamics of consumer/ cash loans, and is passionate to deliver new and winning solutions
• Analytical skills - ability to use and simplify complex information/data and various metrics to set-up and develop cash loan products with an informed and factual business case
• Ability to interpret regulatory requirements and application to products and processes
• Acts as a Product Owner and works as a Partner
• Customer-value/service and problem-solving oriented
• Project management and planning skills
• Ability to manage, lead and coordinate people and teams in cross-departmental/matrix environment
• Ambitious and target focused with a drive to succeed
• Be willing to work in team environment
• Enable to work under the pressure
• Be responsible to organize and complete assigned tasks on time without compromising quality of result on multiple projects and activities
• Initiative/innovative/flexible/proactive, passion to growth, attention to detail oriented
• Open-minded, creative, result-oriented, hard-working, persistent, highly trustworthy, loyal
• Excellent cooperation, negotiation, presentation and decision-making skills to acquire accurate information and convey this back to the business
• Excellent at communication skills in Vietnamese and English both written and verbal that will ensure all materials, reports and presentations are clear, concise, and convincing
• Computer literacy – highly proficient in MS Office for the purpose of creating visually and verbally engaging materials, reports and presentations and in Analytical systems to evaluate cash loan performance
• Willing to travel occasionally
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