Product Owner - Credit Cards
Product Owner - Credit Cards
Job Grade: Manager / Senior Manager
Reporting Line: Head of Credit Cards
Location: Ho Chi Minh City
Type: In-Office
About The Role
As a Product Owner, this role supports the Credit Cards Line of Business to deliver priority changes across the Credit Card product suite, ensuring products meet customer expectations, revenue objectives, and return targets while remaining competitive. Success is measured through delivery of the consumer cards commercial strategy (acquisition, activation, spend and ENR), ownership of product setup, defined delivery plans, and providing clear business direction to ensure outcomes align with organisational goals.
As a Product Owner, this role supports the Credit Cards Line of Business to deliver priority changes across the Credit Card product suite, ensuring products meet customer expectations, revenue objectives, and return targets while remaining competitive. Success is measured through delivery of the consumer cards commercial strategy (acquisition, activation, spend and ENR), ownership of product setup, defined delivery plans, and providing clear business direction to ensure outcomes align with organisational goals.
Key Responsibilities
- You’ll own commercial development for consumer product changes, including business model creation, stakeholder engagement, and securing founder buy-in
- You will assess market conditions, competitors, and internal capabilities, identify risks, resolve product decisions, and act as a trusted SME. This role bridges strategy and execution, shaping scope, solutioning, and guiding cross functional teams through delivery and launch
- Own the configuration of the Card Management System. You will manage product parameters such as interest calculation logic, fee structures, grace period rules and more.
- Manage the Access Control Server (ACS) and 3D Secure (3DS) logic to ensure secure online transactions with minimal friction for the user
- Own the "Circle Family" feature, allowing users to issue instant virtual cards to family members, set limits, and restrict categories—making credit a shared experience. Work with app product owner to create a seamless user experience.
- Develop and drive campaigns to deliver target portfolio outcomes across activation, spends and ENR
- Partner with Growth/Sales/Marketing to ensure the product is meeting acquisition targets set out for the year
- Define the product logic for card activation, limit increases (Low & Grow), and account status changes (temporary freezes, blocks, and re-activations)
- Act as the Scrum Product Owner for the core card squad, writing detailed user stories, managing the backlog, and ensuring the Tech Lead has clear, actionable requirements.
Requirements
- At least 3 years of professional experience in credit card products in a bank or high-growth Fintech.
- Demonstrated track record delivering complex initiatives in a fast‑paced environment.
- Subject matter expertise in the Vietnamese payments ecosystem, including a strong understanding of interchange structures, key growth drivers and regulatory requirements.
- Strong technical understanding of card issuing infrastructure.
- Proven ability to partner with both business and delivery stakeholders, acting as a bridge between them
- Strong understanding of key drivers of a credit card business model – both on revenue and cost side
- Strong capability in preparing executive‑level reports, presentations, and strategic papers for approval.
- Excellent written and verbal communication skills, with the ability to build relationships and influence stakeholders. Fully bilingual in Vietnamese and English.
- Familiarity with AI tools for productivity (e.g., ChatGPT for strategy drafting, advanced data visualization tools) and a vision for how AI can optimize card profitability.
Benefits
- A cool startup working environment
- 5 days working week with flexibility on demand
- 20 days annual leave
- Macbooks to deliver work in style
- Tailored learning and development opportunities to help you fast track your career
- Health & wellness benefits
About Circle
Circle is Vietnam’s first credit-led neobank. Founded by distinguished alumni from McKinsey & Company, Visa, HSBC, backed by global silicon valley investors and partnered with VPBank, we are redefining credit and payments for Gen Z and Millennials. We offer a mobile-first, digital-only experience that breaks traditional barriers and is positioned to be at the bleeding edge of innovation in payments in Vietnam and Southeast Asia.
Circle is Vietnam’s first credit-led neobank. Founded by distinguished alumni from McKinsey & Company, Visa, HSBC, backed by global silicon valley investors and partnered with VPBank, we are redefining credit and payments for Gen Z and Millennials. We offer a mobile-first, digital-only experience that breaks traditional barriers and is positioned to be at the bleeding edge of innovation in payments in Vietnam and Southeast Asia.