Card Portfolio Senior Officer

Company: 3801 UOB Vietnam

About UOB

United Overseas Bank Limited (UOB) is a leading bank in ASEAN with a global network in Southeast Asia, Asia Pacific, Europe and North America. Operating through our head office in Singapore and banking subsidiaries in China, Indonesia, Malaysia, Thailand and Vietnam, we have a global network of about 430 branches and offices in 19 markets. At the heart of UOB is our culture, shaped by the UOB Way and anchored on our four values – Honourable, Enterprising, United and Committed. For more than 90 years, these values have guided how we do right by our customers, collaborate with one another and create long-term value for the communities we operate in. As One Bank, we are committed to helping our colleagues build sustainable careers grounded in purpose, supported by strong values, and enriched with meaningful opportunities to grow.

Job Description

About the Department

Personal Financial Services: We design and provide products and services that empower our customers to enjoy greater banking convenience while they extract more value from their money. In particular, we are focused on promoting and developing healthy saving and investment practices across generations.

Overview of the Role:
Lead and grow the Bank's credit card installment business across digital channels and merchant ecosystems. The role is responsible for developing installment products, managing end-to-end customer installment journeys via mobile app and digital channels, driving merchant installment partnerships, optimizing portfolio profitability, and delivering customer engagement and sales growth.

Job Responsibilities:
1. App-Based Installment Program Management

• Own and enhance card installment features on mobile banking and digital channels.
• Design customer journeys for:
  • Transaction-to-installment conversion
  • Balance conversion programs
  • Pre-approved installment offers
  • Personalized installment campaigns
• Work with Digital Banking, IT, UX/UI, and Operations teams to improve customer experience.
• Define business requirements, user stories, and functional specifications for system enhancements.
• Continuously optimize customer conversion funnels through data-driven insights.

2. Merchant Installment Partnership Management

• Develop and manage merchant installment partnerships across key spending categories:
  • Electronics
  • Healthcare
  • Education
  • Furniture
  • Travel
  • Lifestyle
• Negotiate commercial arrangements, promotional funding, and merchant fees.
• Expand merchant network and identify strategic acquisition opportunities.
• Work closely with merchants acquiring teams and external partners to drive business growth.
• Ensure merchant performance and service quality meet business expectations.

3. Product Development & Campaign Management

• Design and launch installment products and promotional campaigns.
• Create merchant-funded and bank-funded installment programs.
• Develop targeted campaigns leveraging customer segmentation and spending behavior.
• Coordinate campaign execution with Marketing and Digital teams.
• Conduct post-campaign performance reviews and implement improvements.

4. Data Analytics & Performance Management

• Analyze customer and portfolio data to identify growth opportunities.
• Prepare business performance reports and management dashboards.
• Develop forecasts and business cases for new initiatives.
• Monitor campaign effectiveness and ROI.
• Use analytics to improve customer engagement and conversion rates.

5. Stakeholder Management

• Collaborate with:
  • Digital Banking
  • IT
  • Operations
  • Risk Management
  • Finance
  • Compliance
  • Acquiring & Merchant Sales Teams
• Manage external vendors and service providers supporting installment solutions.
• Present business performance and recommendations to senior management.

6. Risk & Compliance

• Ensure installment products comply with regulatory and internal policy requirements.
• Monitor portfolio risks and customer complaints.
• Work with Risk and Collection teams to maintain portfolio quality.
• Ensure operational processes and controls are effective and compliant.

Job Requirements:

• Education
  • Bachelor's degree in Business Administration, Finance, Economics, Marketing, or related field.
  • MBA is an advantage.
• Experience
  • Minimum 2 years of experience in Cards, Retail Banking, Consumer Finance, Digital Products, or Merchant Acquiring.
  • Strong experience in:
    • Business installation
    • Merchant partnership management
  • Experience with digital channel optimization and customer journey design
• Knowledge & Skills

Banking Knowledge

• • Credit card business and payment industry knowledge.
  • Understanding of installment product economics and profitability.
  • Strong business analytics and financial modeling capabilities.

Soft Skills

• • Strong commercial mindset.
  • Excellent negotiation and stakeholder management skills.
  • Analytical and problem-solving ability.
  • Effective communication and presentation skills.
  • Ability to manage multiple initiatives and deliver results under tight timelines.

Additional Requirements

University-Bachelor

Be a Part of the UOB Family

UOB is an equal opportunity employer. UOB does not discriminate on the basis of a candidate's age, race, gender, color, religion, sexual orientation, physical or mental disability, or other non-merit factors. All employment decisions at UOB are based on business needs, job requirements and qualifications. If you require any assistance or accommodations to be made for the recruitment process, please inform us when you submit your online application.

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