Unit Head of X-sell Cash Loan Product

JOB TARGET:
This role is responsible for developing scalable cross-sell lending products, customer segmentation strategies, personalized lending propositions, and lifecycle engagement programs to drive customer value and sustainable portfolio growth.
You will work at the intersection of
Product, CRM/CVM, Data Analytics, Risk, Marketing, and Digital Sales to unlock customer value through intelligent lending strategies and optimized customer journeys.
PRIMARY RESPONSIBILITIES:
1) X-sell product strategy & lifecycle monetization
Define and execute cross-sell cash loan product strategies for existing customer portfolios
Drive portfolio growth through customer segmentation, personalized offers, and lifecycle optimization
Build scalable lending propositions to maximize customer engagement and lifetime value (LTV)
Continuously optimize approval flow, pricing, limits, and offer strategy
2) Customer value management & analytics
Leverage customer insights, behavioral analytics, and segmentation models to improve conversion and utilization
Partner with Marketing and CRM teams to develop targeted acquisition, retention, and reactivation campaigns
Monitor customer journey performance and optimize offer delivery effectiveness
3) Portfolio performance & growth optimization
Manage portfolio profitability, usage performance, and product KPIs
Lead pilot programs related to pricing, process optimization, and customer engagement strategies
Drive data-driven decision-making to improve business outcomes and portfolio quality
4) Cross-functional collaboration
Collaborate with Risk, Data, Technology, CRM, Operations, and Sales teams
Minimum 5–8 years of experience in consumer lending, product management, CRM/CVM, or retail banking products
Strong understanding of:
Cross-sell lending
Customer lifecycle management
CRM/CVM strategies
Portfolio monetization
Experience in consumer finance, banking, fintech, or digital lending is highly preferred
Strong analytical mindset with experience in customer segmentation and portfolio performance management
Strong commercial and stakeholder management capability
Fluent English communication is preferred
WHY JOIN SHB FINANCE
Impact & Leadership:
Lead and execute key business initiatives at the team/department level, turning strategy into clear, measurable outcomes.
Connect and collaborate across teams to drive efficiency and deliver consistent results.
Manage and develop your team, building capability, engagement, and a high-performance culture.
Growth Opportunities:
Participate in structured leadership development programs designed for level managers.
Contribute to and mentor future leaders, playing a key role in developing the next generation of talent.
Gain exposure to cross-functional projects and a dynamic, collaborative working environment.
Rewards & Benefits:
Receive a competitive salary aligned with your role and performance.
Be covered by a comprehensive health insurance plan for you and your family.
Enjoy competitive annual leave (up to 15 days/year), plus 01 fully paid birthday leave, along with tailored allowances for management roles.
Ngành nghề: Ngân hàng, Tài chính / Đầu tư
Kinh nghiệm: 5 Năm
Cấp bậc: Quản lý
Hình thức: Nhân viên chính thức
Địa điểm: Hồ Chí Minh