PR/095289 | Head of Portfolio Management (Cards Product)

Company and Job Overview

JAC’s client, a leading local bank, is looking for a Head of Portfolio Management (Cards Product) position.

Location: Hanoi/Ho Chi Minh City

Job Responsibilities

• Oversee the full customer lifecycle for the bank’s card portfolio, focusing on driving usage, spending growth, EOP balance, and profitability.

• Lead strategies to boost portfolio revenue and manage risk across all card products, including loan-on-card offerings.

• Develop and implement loan programs such as loan-on-phone, balance conversion, and EMI plans.

• Design usage campaigns to encourage targeted spending behavior.

• Manage merchant partnerships, including acquisition, joint promotions, and brand visibility.

• Drive customer activation and retention efforts, analyze attrition, and launch engagement campaigns.

• Establish and manage the Portfolio Management Channel, ensuring campaign effectiveness, operational excellence, and compliance.

• Handle end-to-end execution of portfolio programs, from design to updates.

• Conduct portfolio analysis and reporting on performance, usage, balance, attrition, and yield.

• Coordinate with internal teams to finalize annual budgets and KPIs.

• Lead a team of 16, providing strategic direction and performance oversight.

• Support additional tasks as assigned by the Retail Banking Board and CEO. 

Job Requirements

• Bachelor’s or Master’s degree in Economics, Banking, Finance, or a related field.

• Minimum 10-12 years of experience in the Card Business, preferably with exposure to portfolio management in an established local or international bank.

• Proven experience in leading teams, achieving business goals, and managing operations.

• Strong expertise in card products, portfolio management, and financial analysis.

• Excellent commercial mindset with strong negotiation and planning skills.

• Effective communicator and leader with high energy and problem-solving ability.

• Strategic thinker who works well both independently and in cross-functional teams.

• Fluent in English and able to perform under pressure, manage multiple tasks, and travel when required.

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