Head of Non-lending Products

Hà Nội Khối Khách hàng Cá nhân Toàn thời gian

Lương**:Negotiation**

Địa điểm: Hà Nội

Hạn nộp hồ sơ: 10/09 — 10/10/2025

**Mô tả công việc**:

- **Role Purpose**

This is a senior leadership role responsible for the end-to-end ownership, strategy, and performance of the **liability (CASA & term deposits)**, **investment**, and **bancassurance** product portfolios for the Retail Banking business. The role will drive customer-centric product innovation, commercial performance, and cross-functional execution across distribution, digital, and partnership channels.
- **Key Responsibilities**

**Liability Products (CASA & Term Deposits)**
- Own the full lifecycle of CASA (current & savings accounts) and term deposit products - pricing, packaging, customer value propositions (CVP), and portfolio strategy.
- Develop segmented offerings (e.g. Gen Z, salaried, SME, mass affluent) with tailored features and benefits.
- Launch product bundles (e.g. CASA + credit card, salary package, FD + insurance) to drive stickiness and balance growth.
- Work with Distribution, Digital, and Marketing to drive activation and usage KPIs (e.g. funded rate, transaction activity).

**Investment Products**
- Lead the investment product roadmap: mutual funds, bonds, structured deposits, and other retail investment offerings.
- Partner with licensed fund managers and platform providers to enhance product shelf and digital access.
- Create advisory tools and journeys for RMs and digital customers (goal-based investing, SIPs, model portfolios).
- Monitor product profitability, AUM growth, and investor activation metrics.

**Insurance (Bancassurance)**
- Manage life and non-life insurance product portfolio in collaboration with strategic insurance partners.
- Drive CVPs and bundled journeys for customer needs: protection, savings, education, retirement.
- Co-own insurance revenue targets across branch, RM, and digital channels.
- Oversee product approvals, training, and regulatory compliance related to insurance distribution.

**Portfolio Strategy & Performance Management**
- Define and monitor product-level KPIs: balances, fee income, penetration, product per customer, AUM, NIM.
- Drive innovation through customer insights, competitor benchmarking, and product analytics.
- Work closely with Finance, Risk, Compliance, and IT to ensure governance, pricing discipline, and execution excellence.
- **Key KPIs**

**Area**

**KPIs**

Liabilities

CASA & TD Balance Growth, CASA activation, interest cost management

Investments

AUM growth, revenue per customer, penetration across affluent base

Insurance

Premium income (APE/GWP), attachment rates, channel productivity

Product Innovation

Launches, campaign ROI, CVP adoption

Profitability

Net Interest Margin (for liabilities), fee income, cost-to-income
- **Education**: Bachelor's in Finance, Banking, Economics or related; MBA preferred
- **Experience**:
- 10+ years in Retail Banking with at least 5 years in a leadership role managing liabilities or wealth products
- Proven track record in growing CASA and wealth businesses
- Strong understanding of product P&L, risk, and regulatory environment
- **Skills**:
- Strategic thinker with strong commercial acumen
- Product innovation and go-to-market execution capabilities
- Ability to work cross-functionally with Sales, Digital, Risk, Compliance, and Technology
- Strong leadership and communication skills to influence senior stakeholders and partners
- **Reporting & Governance**
- Direct report to: Head of Retail Banking
- Key collaboration with: Digital Banking, Distribution, Finance, Risk, Marketing, Operations, Compliance, and External Partners