Trusting Social is an AI Fintech pioneer that's revolutionizing credit access in emerging markets. Our mission is "Advancing AI to Meet the Financial Needs of Everyday Consumers with Empathy." We've assessed over 1 billion consumers across four countries, and we're on a mission to provide 100 million credit lines using the power of AI and Big Data.

We are looking for a Product Development Specialist to build and grow our credit card and unsecured lending products.

You will lead the end-to-end product lifecycle – from customer and market research, product design, pricing & policy, process improvement, to performance tracking and optimization. The role works closely with Risk, Operations, Sales, Marketing, Digital, and Data to deliver profitable growth and great customer experience.

If you are looking for opportunities to deepen your experience in customer understanding, product development, portfolio management and data-driven marketing, we encourage you to apply.

What You Will Do

Product development & enhancement

• Understand customer needs, market trends and competitors for credit cards / unsecured loans.
• Conduct user research (interviews, surveys, usability testing,…) to:
  • Explore customer needs, behaviors and pain points across journeys;
  • Validate product ideas, features and process changes before/after launch. 
• Design and enhancement of product features, pricing, fees, limits, benefits and policies.
• Design and enhance core product features for credit cards / unsecured loans, including pricing & interest structure, fees, credit limits, tenure, repayment options, rewards & cashback mechanics, installment programs, promotions and key product policies.
• Develop and optimize cross-sell features and add-on products (e.g. installment plans, insurance add-ons, top-up loans, bundled offers with other bank products/partners) to increase customer engagement, deepen product usage and maximize portfolio profitability
• Design and run A/B tests on pricing, benefits, bundles and offers to identify the best-performing propositions for each target segment.

Portfolio & performance management

• Monitor key KPIs: application, approval, activation, utilization, revenue, profitability.
• Work with Data & Finance to analyze portfolio performance and propose improvements and experiments.

Customer journey & process optimization

• Map and improve end-to-end customer journeys: acquisition, onboarding, usage, repayment, service, retention.
• Ensure products and processes comply with internal policies and regulations.

What you need to have

• 2+ years working with product development in banking or fintech.
• Good understanding of:
  • Product roadmap & project management 
  • Key product metrics: approval rate, utilization, delinquency, CLTV
• Strong ownership, detail-oriented, and execution-focused.
• Fast learner, eager to understand customers, products and regulations.
• Able to structure problems, think logically and propose practical solutions.
• Good communication and collaboration with cross-functional teams.
• Positive, resilient, willing to handle ambiguity and pressure.
• Native Vietnamese speaker with good English (especially reading & writing).

What we offer

• Competitive compensation package, including 13th-month salary and performance bonuses
• Comprehensive health care coverage for you and your dependents
• Generous leave policies, including annual leave, sick leave, and flexible work hours
• Convenient central district 1 office location, next to a future metro station
• Onsite lunch with multiple options, including vegetarian
• Grab for work allowance and fully equipped workstations
• Fun and engaging team building activities, sponsored sports clubs, and happy hour every Thursday
• Unlimited free coffee, tea, snacks, and fruit to keep you energized
• An opportunity to make a social impact by helping to democratize credit access in emerging markets

At Trusting Social, we live by ownership, integrity, and agility in execution. We believe in doing what's right, what's best, and what's innovative. If you're smart, driven, and want to make a difference in the world with the most advanced and fascinating technology, we invite you to be part of our rockstar team!

Additional Info

Learn more about us here:

https://www.youtube.com/watch?v=inAEDGvOcL8&t=29s