Senior Specialist / Manager Product Management

Company Description

National Citizen Bank (NCB) is a dynamic commercial bank headquartered in Hanoi, Vietnam, focused on delivering innovative and customer-centric financial solutions. The bank offers a comprehensive range of services including consumer lending, deposits, credit cards, payments, and digital banking solutions.

As part of its retail banking growth strategy, NCB is investing in modern payment capabilities, digital innovation, and competitive product propositions to better serve customers in Vietnam's rapidly evolving financial services market.

NCB is also part of the broader Sun Group ecosystem, one of Vietnam's leading private conglomerates in hospitality, real estate, and entertainment. This partnership enables the development of unique lifestyle, travel, and co-brand financial solutions, creating enhanced value for customers across the ecosystem.

Role Description

This is a full-time, on-site role for Product Managers – Credit Cards based in Hanoi, Vietnam.

We are hiring multiple roles across different experience levels, including Senior Product Manager, Product Manager, and Associate Product Manager.

The role will be responsible for end-to-end management of credit card products, including product strategy, proposition design, launch execution, and portfolio performance management.

You will work closely with Risk, Technology, Operations, Compliance, Marketing, and external partners (Visa/Mastercard) to develop competitive credit card propositions and deliver sustainable portfolio growth.

Key responsibilities include:

• Lead the development and management of credit card products across the product lifecycle
• Design and launch new credit card propositions including core, co-brand, and segment-based products
• Define and enhance customer value propositions (CVP) including rewards, benefits, and pricing strategy
• Conduct market analysis and competitive benchmarking to ensure product competitiveness in the Vietnam market
• Collaborate with Risk and Analytics teams to ensure sustainable portfolio growth and credit quality
• Work with Technology and Operations teams to support product implementation, system configuration, and launch readiness
• Monitor portfolio performance including acquisition, activation, spend, revolve, and profitability metrics
• Ensure alignment with regulatory requirements and internal governance standards

Qualifications

• Mandatory experience in Credit Card product management within a bank or financial institution
• Strong expertise in card product development, lifecycle management, and portfolio performance
• Deep understanding of Vietnam's credit card market, customer behavior, and regulatory environment
• Proven ability to launch and manage card products from concept to market
• Strong analytical capability with experience in market research, portfolio analytics, and performance monitoring
• Ability to work effectively with cross-functional teams including Risk, Technology, Operations, and Compliance
• Excellent problem-solving, communication, and stakeholder management skills
• Bachelor's degree in Business, Finance, Marketing, or related field (Master's degree is a plus)
• Vietnamese candidates only.