Consulting Jobs in Ho Chi Minh City, Vietnam (Now Hiring) — 226 open — Page 12

Product Owner – Value Added Services

Job Grade: Manager / Senior Manager

Reporting Line: Head of Credit Cards

Location: Ho Chi Minh City

Type: Onsite

About The Role

Key Responsibilities

• You’ll own commercial development for value added services, 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 on all things VAS.
  
• Spearhead the integration of Apple Pay, Google Pay, and Samsung Pay. You will own the relationship with the schemes and CMS to ensure seamless tokenization and "Add to Wallet" flows.
  
• Own the instalment (BNPL) product.
  
• Lead the product development and distribution strategy for the "Circle PayWear" and future physical innovations like metal or LED cards.
  
• Develop and manage Circle Rewards - an AI-tailored rewards system that offers instant rewards, merchant discounts, and lifestyle perks that users actually value.
  
• Collaborate with the Partnership team to integrate Circle’s API into merchant platforms to drive exclusive "Circle-only" experiences.
  
• Constantly A/B test new VAS features—from airport lounge access to insurance cross-sells—to see what truly drives user engagement.
  

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.
  
• Proven track record of launching and managing features like instalment plans, loyalty programs, or wallet integrations.
  
• Creative mindset with a deep understanding of Gen Z / Millennial lifestyle trends in Vietnam (entertainment, fashion, dining, travel).
  
• Strong stakeholder management skills; you can negotiate technical and commercial requirements with external partners and internal tech teams.
  
• Ability to use data to justify the "Why" behind a new feature, calculating expected uplift in spend vs. cost of rewards.
  
• 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 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