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 & Optimization
- 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.
