Unit Head Of X-sell Cash Loan Product

ABOUT THIS ROLE

- 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.

WHAT WILL YOU LEAD

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

• Ensure product growth strategies align with risk appetite and operational scalability

• Coordinate implementation and optimization initiatives with ecosystem partners and vendors

Yêu cầu công việc

• 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

Quyền lợi

• Chăm sóc sức khoẻ: Be covered by a comprehensive health insurance plan for you and your family.
• Nghỉ phép có lương: Enjoy competitive annual leave (up to 15 days/year), plus 01 fully paid birthday leave, along with tailored allowances for management roles.
• Khác: Receive a competitive salary aligned with your role and performance.