About Cake

Cake is Vietnam's leading digital bank, a subsidiary of VPBank. We're building the future of banking for young professionals (25-35) with mobile-first products across Cards, Payments, Cross-border services, Lending, Term Deposit, and Investment.

Role Overview

We are looking for an experienced Tech Product Owner - Credit Card to own the end-to-end product lifecycle of our credit card portfolio. This is a hands-on technical product role where you will work embedded with engineering teams in an Agile/Scrum environment. You will drive product strategy, write detailed technical requirements, and collaborate daily with developers, QA, and DevOps to ship high-quality card products.

Key Responsibilities

Agile Product Ownership

• Act as Product Owner in Scrum teams, owning and prioritizing the product backlog
• Run sprint planning and backlog grooming meetings with engineering teams
• Write clear user stories with acceptance criteria in INVEST format
• Make prioritization decisions and unblock the team

Product Strategy & Roadmap

• Define and own the credit card product roadmap aligned with business objectives
• Conduct market analysis, competitive research, and customer insights to identify opportunities
• Prioritize features based on customer value, business impact, and technical feasibility
• Break down epics into deliverable vertical slices for iterative releases

Technical Product Development

• Lead end-to-end product development: ideation, requirements, UAT, launch, and iteration
• Write detailed PRDs with technical context (API specs, data flows, system dependencies)
• Work closely with backend, frontend, mobile engineers and QA on technical feasibility and trade-offs
• Participate in API contract reviews and integration planning

Card Network & Compliance

• Work directly with Visa on certification, compliance, and new feature adoption
• Ensure products meet card network rules, PCI-DSS, and local regulatory requirements (SBV)
• Manage card scheme fee negotiations and optimization

Feature Ownership

• Issuance Digital card issuance, instant card provisioning, virtual cards
• 3D Secure 3DS 2.0 implementation, authentication flows, fraud reduction
• Installment Transaction installment, amount installment, cash installment
• Tokenization Apple Pay, Google Pay integration
• Rewards & Loyalty Cashback programs, EMOB program
• Credit Lifecycle Credit limit management, collections, delinquency prevention

Platform Responsibility

• Cake App (End-user): Own card features on mobile app - card management, transaction history, installment requests, card controls, push notifications
• Cake Portal (Bank Staff): Own internal tools for operations - card issuance approval, limit adjustment, dispute handling, customer support workflows

Stakeholder Management

• Partner with Risk, Compliance, Operations, Customer Service, and Business Development teams
• Present product updates to leadership and stakeholders
• Manage vendor relationships (card processors, BIN sponsors, embossing vendors)

Analytics & Optimization

• Define KPIs: activation rate, first spending rate, utilization, delinquency, NPS
• Analyze product performance and drive data-driven improvements

Requirements

Mandatory

• 3+ years of Product Management experience in Credit Card domain at a bank or fintech
• Deep understanding of card network operations (Visa, Mastercard)
• Hands-on experience with Credit Card product: issuance, 3DS, installment, tokenization, card management
• Knowledge of card scheme rules, interchange fees, and compliance requirements
• Experience with card processing systems (issuer processor, authorization, clearing/settlement)

Agile & Technical Skills

• Proven experience working in Agile/Scrum teams as Product Owner or Tech PM
• Proficient with Jira, Confluence, and agile tools for backlog management
• Strong understanding of APIs, REST, system integrations, and technical architecture
• Ability to read and review API documentation, sequence diagrams, and technical specs
• Familiarity with PCI-DSS compliance and data security standards
• Experience with mobile app product development and release cycles
• Comfortable working in fast-paced, iterative development environments

Soft Skills

• Strong analytical and problem-solving skills
• Excellent communication in English and Vietnamese
• Understand developer mindset, empathize with their challenges, and support their needs to ensure features are delivered correctly per product requirements

Nice to Have

• Experience with digital-first or neo-bank credit card products
• Knowledge of Vietnam banking regulations (SBV circular on card issuance)
• Experience with BIN sponsorship or card program management
• Background in risk management or credit underwriting
• MBA or relevant advanced degree

Our benefits:

• Competitive compensation including a 13th-month wage and up to 3 months of performance-based bonus.
• BE Corp budget (Vary from your level) is allocated for using services such as transportation, food, and passenger car bookings in Be application.
• MacBooks and needed devices are currently supplied to all technical team members.
• Social insurance (BHXH) (vary from your levels) and 100% gross salary applied including probation.
• Annual health checks and premium medical healthcare (PTI) after probation.
• 15 days of annual leave is applied for the entire employees.
• Cozy and creative working space, comfortable working hours, exceptional team members, fast-growing & prosperous products and cutting-edge technical stacks.
• Company trips, team-building activities, and happy hour events are organized on a quarterly or annual basis.