Product Owner – Value Added Services

Product Owner – Value Added Services 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 Value Added Services - the ecosystem of features that drive usage, delight, and "top-of-wallet" status.

Your job is to make the Circle card the coolest card in Vietnam. Such value added services include buy now pay later integration, tokenization (Apple Pay, Tap to Pay), wearable technology, rewards & loyalty among others.

Key Responsibilities

You’ll own commercial development for value added services, including business model creation, stakeholder engagement, and securing founder buy-in You will assess market conditions, competitors, and internal capabilities, identify risks, resolve product decisions, and act as a trusted SME on all things VAS. Spearhead the integration of Apple Pay, Google Pay, and Samsung Pay.

You will own the relationship with the schemes and CMS to ensure seamless tokenization and "Add to Wallet" flows. Own the instalment (BNPL) product. Lead the product development and distribution strategy for the "Circle Pay. Wear" and future physical innovations like metal or LED cards. Develop and manage Circle Rewards - an AI-tailored rewards system that offers instant rewards, merchant discounts, and lifestyle perks that users actually value.

Collaborate with the Partnership team to integrate Circle’s API into merchant platforms to drive exclusive "Circle-only" experiences. Constantly A/B test new VAS features—from airport lounge access to insurance cross-sells—to see what truly drives user engagement.

Requirements

At least 3 years of professional experience in credit card products in a bank or high-growth Fintech. Demonstrated track record delivering complex initiatives in a fast ‑ paced environment. Proven track record of launching and managing features like instalment plans, loyalty programs, or wallet integrations. Creative mindset with a deep understanding of Gen Z / Millennial lifestyle trends in Vietnam (entertainment, fashion, dining, travel).

Strong stakeholder management skills; you can negotiate technical and commercial requirements with external partners and internal tech teams. Ability to use data to justify the "Why" behind a new feature, calculating expected uplift in spend vs. cost of rewards. Strong capability in preparing executive ‑ level reports, presentations, and strategic papers for approval.

Excellent written and verbal communication skills, with the ability to build relationships and influence stakeholders. Fully bilingual in Vietnamese and English. Familiarity with AI tools for productivity (e.g., ChatGPT for strategy drafting, advanced data visualization tools) and a vision for how AI can optimize profitability.

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.