Portfolio Assistant Manager

According to Decree No.13/2023/ND-CP on protecting personal data (“PDP”), Home Credit Vietnam would apply "Personal Data Processing Agreement" with all candidates to ensure compliance with the decree. By submitting this application to Home Credit Vietnam Finance Company Limited through Vietnamworks, you agree to allow Home Credit to proceed your provided information in accordance with Personal Data Processing Agreement that you have read, fully understood and agreed to the entire content at link https://career.homecredit.vn/en/article/id/217 KEY RESPONSIBILITIES 1. Balance Build - Design, execute and monitor end-to-end cards balance build strategy - Continuous improvement of balance build program to maximise credit card balances and profitability for the business with regular benchmarking to market - Develop and implement balance build initiatives to drive increased balances across key portfolio segments (incl. EPP, balance transfer etc) - Leverage data and analytics to optimize pricing, targeting and take-up tailored to specific segments of the portfolio 2. Portfolio Segmentation - Support Cards Portfolio Strategy manager on cards portfolio segmentation initiatives related to balance build 3. Credit Limit Management - Co-ownership of credit limit management strategy with Underwriting department - Including on-going strategy for BAU and seasonal portfolio limit increase and decreases - Regular monitoring and enhancement of credit limit management strategy to enhance cards balances and profitability 4. Other responsibilities - Responsible for implementing, managing, and enhancing Credit Card balance build activities to achieve the company’s overall strategic, business and financial goals. - Devises, develops and regularly maintains Credit Card balance build strategy, short- and long-term goals, Volume plans, tactics and programs based on the business strategy, opportunities and plans, budget, potential of target customers, consumer needs, competitors, resources and abilities. - Support Credit Card Portfolio volume plans, financial plans and budget and tracks their performance versus budget, ensuring achievement of plans despite variances/challenging operating environment. - Initiation, Development and Implementation of marketing campaigns/promotions for better Credit Cards customers engagement - Accountability for budgets allocated to Credit Card Balance Build activities and management of key metrics for Credit Card Balance build, against business goals and competitor benchmarking - Initiate development of Reports, Dashboards and other analytics from Data analytics team with proper description of task and metrics for Credit Card Balance Build - Use of data-driven approach for the development of new activities and management of Credit Card Balance build - Support Credit Card Customer Lifecycle activities including all portfolio actions that drive activation, usage and retention - Work with Lifecycle, Marketing and Digital teams to continuously engage with customers through digital media and improve user engagement - Collaborate across various teams to support end-to-end Credit Card Portfolio customer engagement and balance build programs that aim to implement strategies to grow and improve overall segment profitability - Monitors and evaluates results and effectiveness metrics of the implemented actions (CBA, SWOT analysis), proposes changes to improve results and to achieve better CBA - Initiates and cooperates with Marketing team and CRM team on preparation of marketing and CRM campaigns for Credit Card Portfolio, incl. internal and external communication (preparation of campaign briefs – target customers’ definition, main benefits, differentiators from competitors, etc.) and marketing materials (like leaflets, posters, direct mails, etc.), on update of promo/marketing or other campaign information on company, partners and public websites, social networks, etc.

- Experience of driving customer engagement & growth initiatives for Credit Card portfolio especially focused on Credit Card Balance build or Usage Activities - At least 3 years experience in Cards areas, preferred hand-on experience in Cards Portfolio or at least 3 years experience in consumer finance or Banking experience with a good perspective of the consumer and Revolving products, processes, pricing, technologies, etc. - Experience working with credit card portfolio and balance build/spend initiatives - Consumer finance or Banking experience with a good perspective of the consumer and Revolving products, processes, pricing, technologies, etc. - Understands the business and industry dynamics of credit cards and is passionate to deliver new and winning solutions - Understanding of the Credit Card Business & Vietnam Market - Experienced in customer lifecycle management and utilizing consumers insights to drive engagement - Proven Project Management delivery - Ability to use and simplify complex information/data and various metrics to set-up and develop products with an informed and factual business case - Strong analytical skills with the ability to efficiently collect, organize, analyze and disseminate significant amounts of information with attention to detail and accuracy - Excellent cooperation, negotiation, presentation and decision-making skills to implement initiatives and deliver results - Learning/ experiences related to DA/ BI/ ML tools (like SQL, Oracle, Python, R, Power BI, Tableau) is a strong advantage - Proficient with MS Office (Excel, Word, PowerPoint,...) - Fluent in English - Bachelor or Master Degree (Marketing, Economics & Finance or Banking, Data/Business Analytics)