[HCM] Secured Loan Product Manager (Commercial loan, invoice financing, auto loan)

Job Description

• Manage secured loan products (commercial loan, invoice financing, auto loan, etc.) including but not limited to analyzing and keeping track of product performance, P&L and policy.
• Develop and deploy new secured loan products in alignment with product operations process and company’s policy.
• Design end-to-end product, process and procedures including customer touchpoints of selling, underwriting, risk policy assessing, credit granting, debt repayment and operational customer services, integrating with different lending platforms/ commercial applications.
• Coordinate with cross-functional teams (Sales, IT, Risk, Operation, Legal...) to implement new products or campaigns or improvement of existing products in terms of selling process, product parameters, risk indicators and others.
• Conduct market research to propose new campaigns/ initiatives or improvement plan to optimize product portfolio performance and business strategy.
• Build and update product programs reflecting changes.
• Other tasks assigned by Sale Director.

Job Requirement

• Bachelor degrees: major in Business or Finance or similar background.
• Minimum 8 years of work experience in Secured loan product (commercial loan, invoice financing, auto loan, etc.).
• Lending platform understanding: CRM, Mobile app for Customer, LOS/LMS, Integration of core system with related system
• Demonstrated ability to critically analyze situations and risks, determine paths of action, and make recommendations to remediate issues.
• Strong communication skills, data analysis skills, presentation skills.
• Detail other requirement:

​- Ability to Work Under High Pressure: The candidate must demonstrate the ability to work efficiently under pressure, maintaining high performance in a challenging work environment.

​- Strong Sales Skills: Proven experience in sales, with the ability to persuade customers and consistently meet or exceed sales targets.

​- Product and Process Development: The candidate should have experience in building and improving products or processes, ensuring they can contribute to product innovation and optimization of workflows.

​- High Motivation: A highly self-motivated individual who drives themselves to meet goals and continuously improve both personal and company performance.

​- Relationship Building Skills: Ability to build and maintain strong relationships with stakeholders, including customers, colleagues, and strategic partners.

​- Ability to Perform Business-as-Usual (BAU) Tasks: Capable of executing daily tasks without close supervision, ensuring smooth operations while maintaining focus on priorities.

​- Strategic Mindset: Able to think strategically, offering long-term solutions and insight into broader business goals.

​- Positive Thinking: Possessing a positive, optimistic outlook in all situations, helping the candidate overcome challenges without becoming discouraged.

​- Self-Motivated & Adaptive: The candidate should be self-driven, with a proactive approach to learning and minimal need for direction. They must also be adaptable to changes in the work environment.

​- Ability to Work Independently and with Attention to Detail: Must be capable of managing tasks independently, with both strategic decision-making skills and the ability to handle detailed tasks accurately.