Job Description

Business Product Management

• Develop and implement product plans based on customer needs, market trends and competitive developments.
• Understand the regulatory environment in the region and analyse impact to Treasury activities including existing and new products.
• Develop and maintain the 1-3 year product roadmap, including new product priorities, target segments, product capabilities and P&L projections, and coordinate required local and Group approvals.
• Support Coverage/Sales on client solutions where product expertise is required.
• Monitor product revenue, profitability and performance, including forecasting and management reporting.
• Engage with internal technology subject matter experts and researches product-related trends in order to provide an integrated and automated client experience.
• Translate business goals into a competitive Deposit/ CASA product roadmap to align with market growth and acquisition by designing and launching corporate deposit packages (CASA, term deposits, flexible deposits).
• Monitor product performance: deposit volume, funding cost, and profitability.
• Work closely with Operations to design scalable and efficient operating models and service delivery processes.
• Collaborate with Risk, Compliance and Legal teams to ensure products remain compliant with regulatory and governance requirements.
• Lead product papers and required approvals, define business requirements, and lead business-side UAT and implementation readiness in partnership with D&T and Operations.
• Evaluate product performance, customer experience and operational efficiency and recommend improvements.
• Establish and maintain product policies, procedures and controls.
• Drive automation and digitization initiatives that improve customer experience and operational effectiveness.
• Develop product strategies aligned with Treasury business priorities and support revenue growth through product innovation and enhancement.
• Develop business cases and evaluate the commercial viability of new products and product enhancements.
• Develop product strategies that support Treasury’s business objectives and identify new product opportunities in line with the approved Treasury roadmap.
• Create and ensure the governance and control infrastructure in partnership with control functions
• Provide product forecasts and performance inputs into the annual planning and budgeting process.
• Serve as Treasury's subject matter expert on product capabilities, market practices and regulatory developments.

Communications

• Ensure all staff adheres to do client suitability to in accordance with internal and external policy;
• Maintaining relationships with other parts of Treasury and FIG and the wider Group Wholesale to ensure adequate profile and development of the unit.

Regulatory Compliance

• Ensures compliance with local regulatory requirements and external auditors, in pursuant to both Law on Enterprises and Law on Credit Insitutions and related legal documents .
• Conduct all activities ethically in accordance with Policies and Procedures approved by the Management and the State Bank of Vietnam regulations

Any other responsibilities / task as assigned by senior management from time to time.

Requirements:

• Bachelor's Degree in Finance, Economics, Business Administration, Accounting, Financial Engineering, Technology or related discipline.
• Master's degree and/or professional banking qualifications would be an advantage
• 10+ years of banking experience in Treasury, Transaction Banking, Cash Management, Trade Finance, Product Management, Payments, Corporate Banking or Fintech.
• Proven experience in product development, commercialization, implementation and lifecycle management.
• Experience working with Technology, Operations, Risk, Compliance and Legal stakeholders on product initiatives.
• Strong understanding of Treasury products, cash management, payment solutions, liquidity management and corporate banking services.

Technical / Functional Skills

• Strong understanding of Treasury, Transaction Banking, FI and Corporate Banking products.
• Proven product management capability, including product design, business case development, pricing and commercialization.
• Strong knowledge of local banking regulations, governance requirements and risk management principles.
• Experience leading digital transformation and process automation initiatives.
• Ability to translate business requirements into technology solutions and manage implementation delivery.
• Strong financial analysis, profitability assessment and business planning skills.
• Strong understanding of customer journeys, operating models and service delivery frameworks.
• Proficient in Microsoft Office and data analysis tools.

Personal Skills

• Strategic thinking and product innovation mindset.
• Strong stakeholder management and influencing skills across business, technology and control functions.
• Excellent project management and execution capability.
• Strong analytical and problem-solving skills.
• Effective communication and presentation skills.
• Ability to lead cross-functional teams and drive consensus among diverse stakeholders.
• Demonstrated ability to manage multiple initiatives in a fast-paced environment.
• Strong commercial acumen with focus on revenue growth and customer outcomes.
• Professional conduct and sound risk awareness.
• Ability to communicate fluently in English and Vietnamese.

With operations that span 15 different markets across the region, the opportunity to expand your experience, test your capabilities, and exhibit your resilience is ample. #teamCIMB is always keen to welcome the ones who are ready to make that very special difference – for themselves and the bank.