Senior Product Owner — Approval Rate, Underwriting Innovation

Trusting Social builds accessible, responsible, and scalable mass-market credit products. Within our Partnership BU, we operate in agile, cross-functional teams to accelerate product launches. Our specific team is dedicated to lifting the approval rate and building the next generation of underwriting across Cash Loan and Credit Card portfolios.

How You'll Make an Impact

Partnering directly with the Team Lead, you will drive approval rate while balancing risk, unit economics, and affordable pricing for the mass segment. In this AI-Fusion role, you will leverage AI as your default working mode to multiply your output, while using high emotional intelligence to keep our fast-paced, cross-functional team aligned and delivering.

What You Will Own

Product delivery & roadmap ownership

• Own BRDs, PRDs, product roadmap, backlog and acceptance criteria to improve approval rate and drive new risk initiatives — across all sales channels and partners.
• Coordinate cross-functional teams — Engineering, AGI, Operations, Marketing, Sales (and Risk / DS) — to drive the rapid delivery of product innovations.

Underwriting / Risk Decisioning

• Turn risk and portfolio insights into practical underwriting strategies, rules and product improvements.
• Work closely with Risk, DS and Engineering to test and launch new risk solutions.

Customer discovery & experimentation

• Lead customer discovery through user research, interviews, partner research, and rapid prototyping/experimentation.
• Run test-and-learn cycles (A/B, cohort, channel/offer/pricing tests) to address conversion challenges and unlock new growth opportunities and new initiatives.

AI-enabled delivery & governance

• Build AI-enabled workflows for analysis, reporting, competitor monitoring and documentation.
• Proactively surface risks, remove blockers, and drive on-time delivery; co-own UX & conversion-rate KPIs across the channels.
• Monitor approval, risk and business performance after launch.
• Identify issues and drive actions to improve the balance between approval rate and risk.

What We're Looking For

• Ownership of the number — you own approval rate and the loss/cost trade-off behind it, make the call without waiting for central approval, and stand behind it when the numbers get examined.
• Strong analytical, data-driven mindset — KPI / funnel/cohort analysis, unit economics, and comfort reading model and portfolio performance to decide where policy should sit.
• Credit domain depth — you make underwriting knowledge transferable: document the edge cases, teach the reasoning, leave the team sharper than you found it.
• AI fluency (AIF-2) — you use AI tools daily, design your own multi-step prompts/workflows, and automate parts of your role by default; you verify AI output and know when not to trust it.
• High learning velocity — you pick up new tools, domains and contexts within days, and teach others.
• Connector thinking — you join the dots across functions and turn scattered signals into clear, prioritized initiatives.
• Open-minded, audacious, bias to action — you challenge inefficient processes, try new things, and learn from failure.
• Fluent in Vietnamese and English.

Plus

• 3–5+ years in lending/fintech / consumer-finance product, with hands-on exposure to unsecured cash loan, card or BNPL.
• Experience in underwriting/policy, pricing, credit lifecycle, fraud, collections, or partner-distribution / embedded-finance channels.

What We Offer

Join our vibrant team and enjoy:

• Opportunity to work and learn from one of the best and brightest technology teams in Vietnam
• Be part of a winning team with exponential growth regionally, experience recruiting world-class talents
• 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
• On-site 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 what's right, what's best, and what's innovative. If you're smart, driven, and want to make a difference in the world with the most advanced and fascinating technology, come join our team. We offer the runway to truly make an impact.

Learn more about us: https://trustingsocial.com | https://www.youtube.com/watch?v=inAEDGvOcL8&t=29s