Overview
To participate in the full product lifecycle — from research, concept development, pricing, and process setup to implementation, monitoring, and continuous improvement — in collaboration with internal departments and external partners.
To support the design, development, and management of the Car Loan product portfolio in alignment with the bank’s business strategy, customer needs, and regulatory requirements.
Main Activities/Tasks include:
Product Research & Development
Conduct market studies and competitor benchmarking to identify trends, pricing practices, and customer needs in the auto loan market.
Draft product concept papers, proposals, and approval documents under the guidance of the Product Development Manager.
Assist in testing new products or process changes before launch.
Support the design and enhancement of car loan products, including product features, process flows, and documentation requirements.
Pricing & Profitability Analysis
Collect and analyze data related to product performance, pricing, and profitability.
Prepare performance dashboards and reports for management review.
Support the development and periodic review of car loan pricing models and parameters.
Process & System Coordination
Identify and propose process improvement opportunities to enhance efficiency and customer experience.
Work closely with Operations, Credit Risk, and Digital teams to ensure smooth loan origination and approval processes.
Participate in user requirement preparation and testing for new system functions or process changes.
Partner & Channel Support
Coordinate with car dealers, manufacturers, and external partners for product- related campaigns and collaboration activities.
Support channel teams (branches, digital, partners) in resolving product or process issues.
Provide internal support for product training, marketing materials, and sales tool development.
Performance Monitoring & Reporting
Track product performance indicators such as disbursement volume and portfolio quality.
Prepare regular and ad- hoc reports to support business reviews and strategic decisions.
Assist in evaluating post- launch product performance and gathering customer feedback for improvement.
