← Công Ty Tài Chính TNHH Ngân Hàng TMCP Sài Gòn - Hà Nội (SHBFinance)
Unit Head of X-sell Cash Loan Product
Công Ty Tài Chính TNHH Ngân Hàng TMCP Sài Gòn - Hà Nội (SHBFinance) · Hồ Chí Minh
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Type
Full-time
Work mode
On-site
Level
Director
Industry
Other
Salary
Thương lượng
Location
Hồ Chí Minh, Hồ Chí Minh, Hồ Chí Minh
Overview
- X-sell product strategy & lifecycle monetization
- Define and execute cross-sell cash loan product strategies for existing customer portfolios
- Drive portfolio growth through customer segmentation, personalized offers, and lifecycle optimization
- Build scalable lending propositions to maximize customer engagement and lifetime value (LTV)
- Continuously optimize approval flow, pricing, limits, and offer strategy
- Customer value management & analytics
- Leverage customer insights, behavioral analytics, and segmentation models to improve conversion and utilization
- Partner with Marketing and CRM teams to develop targeted acquisition, retention, and reactivation campaigns
- Monitor customer journey performance and optimize offer delivery effectiveness
- Portfolio performance & growth optimization
- Manage portfolio profitability, usage performance, and product KPIs
- Lead pilot programs related to pricing, process optimization, and customer engagement strategies
- Drive data-driven decision-making to improve business outcomes and portfolio quality
- Cross-functional collaboration
- Collaborate with Risk, Data, Technology, CRM, Operations, and Sales teams
- Minimum 5–8 years of experience in consumer lending, product management, CRM/CVM, or retail banking products
- Strong understanding of:
- Cross-sell lending
- Customer lifecycle management
- CRM/CVM strategies
- Portfolio monetization
- Experience in consumer finance, banking, fintech, or digital lending is highly preferred
- Strong analytical mindset with experience in customer segmentation and portfolio performance management
- Strong commercial and stakeholder management capability
- Fluent English communication is preferred
Benefits
- Impact & Leadership:
- Lead and execute key business initiatives at the team/department level, turning strategy into clear, measurable outcomes.
- Connect and collaborate across teams to drive efficiency and deliver consistent results.
- Manage and develop your team, building capability, engagement, and a high-performance culture.
- Growth Opportunities:
- Participate in structured leadership development programs designed for level managers.
- Contribute to and mentor future leaders, playing a key role in developing the next generation of talent.
- Gain exposure to cross-functional projects and a dynamic, collaborative working environment.
- Receive a competitive salary aligned with your role and performance.
- Be covered by a comprehensive health insurance plan for you and your family.
- Enjoy competitive annual leave (up to 15 days/year), plus 01 fully paid birthday leave, along with tailored allowances for management roles.
- Kinh nghiệm: 5 Năm
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