Expert, Product and Solution (Card, Lending, Payment)

Job Purpose Manage and be responsible for activities related to product and solution development and management for division through:

1. Product/ Solution/ Journey design, embedded with customer experience required
2. Product/ Solution/ Journey policy và guidelines
3. Provision of training knowledge on Product/ Solution/ Journey
4. Other tasks assigned by line manager/Head of department Key Accountabilities (1)
5. Deploy, coordinate with stakeholders and participate in the development and administration of policies related to customers:

• Building and managing product trees and related documents of corporate customers;
• Coordinate with stakeholders to ensure the effectiveness of risk management, excluding legal risks, operational risks, compliance risks;
• Responsible for the management, development, adjustment and standardization of regulations, guidelines, products/packages/business programs/solutions of the Division in accordance with the law, Techcombank's general policies và customer's need.

1. Development of products/product packages/Business programs/solutions

• Responsible for/coordinating feasibility assessment and proposing product/solution development ideas, product/solution development planning
• Responsible for/coordinating in building/adjusting products/product packages/solutions, sales programs to meet the needs of each segment/sub-segment/region/sub-sector on the basis of CVP

1. Building operating procedures – systems and services

• Responsible for/coordinating design, construction, development, adjustment of operating processes from the perspective of product/product package/Biz program/solution, update problems (if any), propose alternatives, process improvements, modifications
• Responsible for implementing or coordinating with Internal Divisions to improve and automate operational and service processes

1. Price and fee policy:

• Responsible for/coordinating the development/adjustment and management of product/package/solution pricing models/promotions by segment/sub-segment, by regions/areas on the basis of CVPs, policies and orientations of Techcombank.
• Develop and manage pricing policy/governance framework for corporate customers

1. Monitoring/coordinating product portfolio management/product packages/solutions/promotions

• Responsible/coordinating for monitoring và managing the effectiveness of products/product packages/Biz program and proposing solutions to improve operational efficiency

1. Project:

• Participate in projects related to products/solutions for business customers

1. Training and capacity development:

• Drafting training documents for Products/Solution
• Participating in and implementing sharing / training / coaching for consulting forces on products and solutions

1. Other tasks assigned by the department head Key Accountabilities (2) Key Accountabilities (3) Key Relationships

• Direct Manager Director/ Senior Manager/Manager of Product & Solution Key Relationships
• Direct Reports None Key Relationships
• Internal Stakeholders Other units in Division, other units in TCB Key Relationships
• External Stakeholders Customers, organizations, business associations, state agencies (GSO, tax authorities ...) Success Profile
• Qualification and Experiences
• Bachelor's degree in Economics / Finance / Banking / Marketing / Business Administration
• Priority to have a master's degree or higher Minimum 8 years working experience in banking/finance/credit/marketing with:
• Understanding of solutions to improve performance of Division (resource, system, operations, risk management)
• Understanding of banking activities
• Understanding of strategy, business model, CVP
• Mimimum TOEIC 650 or equivalent