Tuyển dụng Product Finance - Treasury & Investment tại Hà Nội

1. Position Purpose

Finhay/FHSC is looking for a Senior Executive, Product Finance to support the Treasury & Investment function in evaluating, structuring, and monitoring financial products with funding and investment components, including savings-like products, HayBond, Hay0, margin lending, and the fixed-income portfolio supporting these products.

This role is responsible for translating business initiatives into financial assumptions, product economics, break-even analysis, internal funding cost considerations, risk observations, and concise decision memos for management review. The role does not independently approve investments, execute trades, or set company-wide funding rates.

2. Key Responsibilities

* Product economics: build and maintain product-level profitability analysis, including funding cost, matching asset assumptions, expected spread, liquidity buffer, campaign cost, and key sensitivity drivers.

* Pricing and financial parameters: support the development of interest-rate ranges by tenor, reinvestment offers at maturity, product return scenarios, and internal funding cost inputs so that Product, Growth, Treasury, and Management work from one consistent set of numbers.

* Investment and issuer analysis: review issuer financial statements, cash flow quality, collateral structure, repayment capacity, covenant conditions, and market comparables; prepare concise investment assessment memos with a clear recommendation for the Head of Treasury & Investment and the Investment Committee as applicable.

* Campaign break-even analysis: work with Growth/Product teams before campaigns involving interest rates or funding incentives; calculate break-even AUM, acquisition cost per funding unit, expected NIM after funding cost, and downside scenarios before implementation.

* Partner deal economics: support discussions with banks, fintech partners, fund managers, and other counterparties by defining required funding size, target funding cost, minimum acceptable spread, liquidity requirements, and financial conditions for deal feasibility.

* Governance and reporting: maintain supporting files, assumptions, and evidence trails for product finance decisions; contribute to portfolio, product, and management reports in line with Treasury & Investment governance requirements.

* AI-assisted workflow: use the team’s AI tools to draft analysis and memos, while remaining responsible for checking data accuracy, validating assumptions, and finalizing the professional output.

3. Scope, Authority and Decision Rights

The role prepares analysis, recommendations, financial models, and decision memos for review and approval by the Head of Treasury & Investment, CIO/CEO, Investment Committee, or other authorized approvers under the company’s governance framework.

The role does not execute securities transactions, approve investments, approve exceptions outside limits, or make final decisions on product pricing, funding allocation, or partner deals.

Where a proposal falls outside approved limits or policies, the role is responsible for clearly identifying the exception, quantifying the financial and risk impact, and preparing materials for the appropriate approval level.

4. Key Deliverables

Product economics model for key funding-related products, updated with source-based assumptions.

One-page issuer/investment assessment memos with clear gate recommendation: Go / Conditional Go / No Go.

Campaign break-even and sensitivity analysis before campaign launch.

Financial terms checklist for partner deals and product initiatives.

Assumption logs, source references, and version-controlled working files for review and audit trail.

Yêu cầu công việc

5. Required Qualifications

3-5 years of experience in at least one of the following areas: bank credit analysis, fixed-income desk or bond analysis at a securities company/fund, ALM, treasury, balance-sheet management, or product finance.

Strong ability to read and analyze corporate financial statements, with practical understanding of cash flow, repayment capacity, leverage, collateral, and liquidity risk.

Ability to build financial models in Excel/Google Sheets, including spread analysis, weighted average cost of funds, NIM, break-even AUM, tenor assumptions, and sensitivity analysis.

Ability to write concise analytical memos: conclusion first, numbers supported by sources, risks stated clearly, and recommendations suitable for management review.

Understanding of funding cost, FTP, NIM, tenor matching, liquidity buffer, bond portfolio economics, and retail investment/funding products.

Comfortable learning through documentation, templates, and AI-assisted tools; able to take ownership without requiring detailed step-by-step instruction.

Genuine interest in Finhay/FHSC products and willingness to build a long-term career with the Treasury & Investment team.

6. Preferred Qualifications

Experience with retail funding products, bond distribution, or investment products for individual clients.

Experience using SQL, Metabase, BI tools, or automated reporting workflows.

Existing familiarity with Finhay products as a user or through prior research.

7. Working Style and Team Environment

The Treasury & Investment team is a compact team managing funding, investment, liquidity, and product finance matters across Finhay/FHSC. The role will work directly with the Head of Treasury & Investment and interact with Product, Growth, Risk, Compliance, Finance, Operations, and external counterparties where relevant.

The team works with structured templates, documented workflows, AI-assisted drafting, and periodic red-team review. Direct challenge on assumptions and numbers is part of the working culture. The expected standard is clear thinking, traceable data, timely delivery, and ownership of final output.

8. Onboarding Roadmap

Week 1: read the investment policy, team operating handbook, and recent memos; meet key team members; present back the team’s workflow, templates, responsibilities, and decision process.

Week 2: complete the first campaign break-even analysis using an existing template, with AI-assisted drafting and self-checking of assumptions and numbers.

Week 3: complete the first issuer/investment assessment memo for a real case, including risk analysis, recommendation gate, and red-team review.

Week 4: take ownership of the core working templates: investment memo, break-even analysis, partner deal economics, and first version of the product economics model for key products.

9. Compensation and Benefits

Competitive compensation based on capability and experience, with bonus in accordance with company policy.

Opportunity to work with a small, high-ownership Treasury & Investment team managing sizeable funding and investment books.

Direct exposure to product economics, investment governance, management decision materials, and AI-enabled finance workflows.

10. Application

Please send your application to vietnamwokrs, including: (1) your CV; (2) one analytical memo you have written, with confidential information removed where necessary; and (3) 5-10 lines about one Finhay product you have used or researched, including your view on where the product earns or loses money.

Quyền lợi

• Thưởng: bonus in accordance with company policy.
• Khác: Competitive compensation based on capability and experience
  Opportunity to work with a small, high-ownership Treasury & Investment team managing sizeable funding and investment books.
  Direct exposure to product economics, investment governance, manag