Product Owner – App Experience

Product Owner – App Experience Job Grade: Manager / Senior Manager Reporting Line: Head of Credit Cards Location: Ho Chi Minh City Type: Onsite About The Role ​ As a Product Owner, this role supports the Credit Cards Line of Business to deliver and manage the "Circle App Experience" - ensuring that every interaction, from checking a balance to sharing a card with a family member, is "Spotify-smooth" and intuitive.

You own the UI/UX flows and our unique "Freemium" subscription model. Your mission is to make Circle the most beautiful and user-friendly financial app in the Vietnamese market.

Key Responsibilities

Design and optimize every screen and flow in the Circle app. You will own the "Home Screen" hierarchy, onboarding experience, transaction views, and card control interfaces among others Manage the product logic for our tiered subscriptions (Circle Plus, Ultra). You will oversee the billing logic, the "Premium" feature gates, and the AI-driven recommendation engine for upsells You’ll own commercial development for our subscription programs while working with other product owners, including business model creation, stakeholder engagement, and securing founder buy-in Partner with the tech and data teams to ensure the app provides personalized spending insights and predictive recommendations that actually help users.

Relentlessly seek customer feedback. You will lead user research, A/B testing of UI elements, and funnel analysis to reduce "app churn". Work hand-in-hand with our Designers to ensure we maintain a consistent, modern, and accessible design system across all platforms. You will assess market conditions, competitors, and internal capabilities, identify risks, resolve app decisions, and act as a trusted SME on credit card app experience.

Requirements

At least 3 years of professional experience in B2C Mobile App Product Management. Experience with high-growth apps in e-commerce, social media, or neobanking is highly preferred. Strong understanding of UI/UX principles, mobile-first design patterns, and "human-centered design." Experience with subscription-based business models or freemium product mechanics (growth hacking, paywalls, tiered benefits).

Obsessed with creating customer delight in every interaction - you care about the animations, the haptics, and the micro-copy that makes an app feel alive. Demonstrated track record delivering complex initiatives in a fast ‑ paced environment. Creative mindset with a deep understanding of Gen Z / Millennial lifestyle trends in Vietnam.

Strong stakeholder management skills; you can negotiate technical and commercial requirements with internal tech teams. Ability to use data to justify the "Why" behind a new feature, calculating expected uplift in engagement Excellent written and verbal communication skills, with the ability to build relationships and influence stakeholders.

Fully bilingual in Vietnamese and English. Proficiency in using AI design and feedback analysis tools to speed up the UX iteration cycle.

Benefits

A cool startup working environment 5 days working week with flexibility on demand 20 days annual leave Macbooks to deliver work in style Tailored learning and development opportunities to help you fast track your career Health & wellness benefits About Circle ​ Circle is Vietnam’s first credit-led neobank. Founded by distinguished alumni from McKinsey & Company, Visa, HSBC, backed by global silicon valley investors and partnered with VPBank, we are redefining credit and payments for Gen Z and Millennials.

We offer a mobile-first, digital-only experience that breaks traditional barriers and is positioned to be at the bleeding edge of innovation in payments in Vietnam and Southeast Asia.