[HCM] Secured Loan Product Management (Mortgage, invoice financing, auto loan)

Job Description

• Lead the product development lifecycle for new secure products, from ideation to launch focusing on secured loan products: auto loan, mortgage, invoice financing, … for individual, household business and corporate customer.
• Conduct market research and identify customer needs.
• Define product requirements and specifications that prioritize security best practices.
• Deploy the products in alignment with product operations process and company’s policy adapting company’s strategy.
• Can understand and redesign end-to-end product, process and procedures including customer touchpoints of selling, underwriting, risk policy assessing, credit granting, debt repayment and operational customer services, integrating with different lending platforms/ commercial applications.
• Coordinate with cross-functional teams (Sales, IT, Risk, Operation, Legal,…) to implement new products or campaigns or improvement of existing products in terms of selling process, product parameters, risk indicators and others.
• Build and update product programs reflecting changes.
• Manage the portfolio including but not limited to analyzing and keeping track of product performance, P&L and policy.
• Other tasks assigned by Head of Department.

Job Requirement

• Bachelor degrees: major in Business or Finance or similar background.
• Minimum 3 years of work experience in corporate credit analysis.

• Minimum 5 years of work experience in Secured loan product (auto loan, mortgage, invoice financing, …) for individual, household business, corporate customer (especially SMEs).

• Lending platform understanding: CRM, Mobile app for Customer, LOS/LMS, Integration of core system with related system.
• Demonstrated ability to critically analyze situations and risks, determine paths of action, and make recommendations to remediate issues.
• Strong communication skills, data analysis skills, presentation skills.