Head of Product & Portfolio - Cards & Loans

ABOUT OUR CLIENTOur client is a leading local bank with a strong retail footprint and an ambitious growth plan in consumer lending and payment solutions. The bank is expanding its cards business and is looking for a seasoned professional to lead the overall portfolio strategy and profitability management for credit cards and personal loan products.This role offers the opportunity to influence strategic decisions, drive product innovation, and optimize customer profitability across the entire cards portfolio.RESPONSIBILITIESLead strategy and execution to maximize portfolio profitability (TOI) and minimize risk.Manage end-to-end lifecycle of credit cards and loans — activation, usage, balance growth, and retention.Develop and launch marketing, balance transfer, and installment programs to drive portfolio performance.Partner with merchant alliances and internal teams to enhance customer experience and portfolio yield.Lead a high-performing team and provide strategic insights to senior leadership.REQUIREMENTS10–12 years’ experience in Cards or Consumer Lending; 5+ years in a managerial role.Proven track record in portfolio management, customer lifecycle, and profitability optimization.Strong commercial acumen and analytical mindset.Excellent leadership, communication, and stakeholder management skills.Bachelor’s/Master’s degree in Banking, Finance, or Business Administration.Fluent English.BENEFITSCompetitive package (up to 8,000 gross) and annual performance bonus.Dynamic working environment with opportunities for internal mobility and leadership development.Exposure to strategic decision-making and direct collaboration with senior management.Comprehensive health insurance and banking benefits.If you are interested in applying for this opportunity, please send your most updated resume to our Recruitment Consultant - Mr. Cao Tam at tam.do@adecco.com or +84 339 482 658.