Credit Cards Product Manager

Company Description

National Citizen Bank (NCB), established in 1995, has evolved from a rural bank into an influential urban commercial bank in Vietnam. Officially named National Citizen Bank in 2014, NCB has over 18 years of experience in the financial market, offering services such as financing, loans, payment services, and more. Our continuous restructuring efforts focus on improving business structure, staff capacity, and risk management to maintain a competitive position. NCB is committed to fostering investor, customer, and partner confidence through stable growth and efficient operations.

Role Description

This is a full-time, on-site role for a Credit Cards Product Manager based in the Hanoi Capital Region. The Credit Cards Product Manager will be responsible for developing and managing credit card products, conducting market research, analyzing performance data, and creating marketing strategies. Day-to-day tasks include overseeing product development, collaborating with cross-functional teams, performing competitor analysis, and driving customer acquisition and retention strategies. The role requires a strong understanding of financial products, customer needs, and regulatory requirements.

Qualifications & Skills

• Own the credit card product roadmap across segments: mass affluent, salaried, SME, and Gen Z.
• Design innovative propositions (e.g. cashback, lifestyle, travel, premium, secured cards) aligned to customer needs.
• Develop co-branded and affinity cards with external partners (airlines, e-commerce, telcos, fintechs).
• Monitor portfolio performance and competitor trends to identify product enhancement opportunities.
• Drive top-line metrics: cards-in-force, spending volume, interchange income, and revolve balances.
• Improve activation and usage KPIs via lifecycle campaigns and customer nudges.
• Track and optimize card P&L: cost per acquisition, reward burn, credit losses, and overall profitability.
• Product Development and Management skills in the credit card industry
• Experience in conducting Market Research and Competitor Analysis
• Marketing Strategy development and implementation skills
• Data Analysis and Performance Metrics evaluation skills
• Strong understanding of Financial Products and Regulatory Requirements
• Excellent communication and interpersonal skills
• Ability to work effectively with cross-functional teams
• Bachelor&aposs degree in finance, Business Administration, or related field
• MBA is a plus