Overview
- To lead the design, development, and management of SOHO loan product portfolio, ensuring alignment with business strategy, regulatory compliance, and profitability objectives.
- To involve full product lifecycle management — from conceptualization, design, pricing, and process setup to implementation, monitoring, and continuous improvement — in close collaboration with sales, risk, operations, and digital channels.
Main Activities/Tasks include:
Product Strategy & Development
- Lead the end-to-end development of the SOHO Loan product, including new product initiatives, feature enhancements, and process redesigns.
- Conduct market research and analyze customer behavior, competitor offerings, and industry trends to identify product opportunities.
- Develop product proposals for management approval, including financial projections, profitability analysis, and risk assessment.
- Define and document product parameters, including target segments, loan purpose, eligibility criteria, pricing structure, repayment terms, and required documentation.
- Establish business priorities and effective sales approaches to drive loan growth and achieve business targets.
Pricing & Profitability Management
- Design pricing strategies in line with market competitiveness and bank profitability targets.
- Monitor and analyze portfolio performance metrics
Performance Monitoring & Reporting
- Establish and track index related to product growth, profitability, and process efficiency.
- Prepare regular performance reports and business insights for management.
- Conduct post-launch reviews and implement product enhancement plans as required.