Responsibilities :

• Enhance existing deposit products and support the development of new deposit products aligned with customer needs and market trends.
• Enhance existing Fund Transfer products (Local and International Transfers), Payroll Service, and assist in developing new digital financial services.
• Support enhancement of retail loan products such as Car Loan, Home Loan, Personal Loan, and other retail lending programs, as well as develop digital loan products.  
• Conduct market research and competitor analysis across deposits, retail loans and other financial services to identify opportunities and recommend product enhancements.
• Support digital transformation and innovation initiatives by working with related stakeholders to improve product features and customer journeys on the IBANK App and other channels.
• Assist in preparing and updating product manuals, process workflows, approval guidelines, and training materials for all assigned product categories.
• Prepare reports and assist in monitoring product performance across deposits, retail lending and other financial services.
• Perform other tasks assigned by Line Manager.

Requirements :

• Bachelor’s degree in Banking & Finance, Business Administration, Economics, IT, or related fields.
• Minimum 2–3 years of experience in retail banking, digital banking, product development, financial service and/or lending operations.
• Good understanding of deposit products, financial services, and retail loan processes.
• Strong analytical skills with proficiency in Microsoft Excel, market research, and reporting.
• Good communication, teamwork, and coordination skills to work with cross-functional teams.
• Good command of English (speaking and writing).
• Strong attention to detail with the ability to handle multiple tasks effectively.