Senior Product Owner (Savings Products), Zalopay

As a Senior Product Owner - Savings Products at Zalopay, you will take end-to-end ownership of our strategic Savings product portfolio - one of the most critical growth pillars and financial backbones of the entire Zalopay ecosystem.

Your portfolio encompasses two strategic pillars:

1. "Số dư sinh lời" (Money Market Fund): A mission-critical, high-concurrency accumulation and yield engine deeply embedded across the Zalopay ecosystem. As Zalopay’s user base expands, the adoption and active usage of Số dư sinh lời grow organically at immense scale, creating high-concurrency traffic that demands exceptional system resilience, real-time partner synchronization, robust fund flows, and operational integrity.
2. "Gửi Tiết kiệm" (Fixed Deposit): A scalable open-banking savings platform connecting Zalopay users with multiple leading commercial and digital banking partners simultaneously.

In this role, you will take direct, primary ownership of "Số dư sinh lời" - governing its complex financial architecture, partner synchronization, and high-scale operational resilience - while steering the broader savings portfolio strategy, overseeing multi-bank integrations for "Gửi Tiết kiệm", and mentoring Junior PO(s) to ensure exceptional delivery quality for millions of Vietnamese users.

Key Responsibilities

1. Primary Ownership: "Số dư sinh lời" (Money Market Fund)

• Serve as the principal product owner for Số dư sinh lời, driving its long-term roadmap, user adoption, and retention aligned with Zalopay’s ecosystem growth.
• Deeply govern system architecture and high-throughput transaction flows: real-time balance and yield synchronization with financial partners, transactional state machines, automated fund flows, and ledger consistency under intense peak traffic.
• Collaborate closely with Engineering, System Architects, Operations, and Finance & Accounting to establish robust reconciliation, settlement cycles, and high-availability failover mechanisms.

2. Strategic Steering: "Gửi Tiết kiệm" (Fixed Deposit) & Multi-Bank Platform

• Oversee the strategic expansion of our Gửi Tiết kiệm platform as we onboard multiple commercial and digital banking partners concurrently.
• Standardize open-banking API integration frameworks, onboarding blueprints, and data exchange protocols to accelerate partner integration velocity while ensuring bank-grade security.
• Serve as the senior technical-commercial counterpart for banking partners: negotiate business requirements (BRD), core-banking constraints, SLAs, and dispute-resolution workflows.

3. Regulatory Compliance & Risk Governance

• Ensure all products and integration models within the Savings portfolio strictly adhere to State Bank of Vietnam (SBV) regulations, payment intermediary laws, consumer protection standards, and eKYC requirements.
• Work closely with Legal, Compliance, and Risk teams to assess regulatory impacts, safeguard user assets, and proactively mitigate operational and systemic risks.

4. Delivery Excellence & Junior PO Mentorship

• Act as a player-coach: drive deep technical and functional design for your primary product (Số dư sinh lời) while providing direct guidance, coaching, and review for Junior PO(s) executing on multi-bank Gửi Tiết kiệm streams.
• Establish product quality standards, edge-case analysis frameworks, and acceptance criteria across squads to ensure flawless delivery and high-quality releases.
• Lead agile ceremonies and cross-functional alignment across Engineering, QA, Design, Risk, Legal, Operations, and Business teams.

5. User-Centric Experience & Data-Driven Growth

• Apply Design Thinking to translate complex financial concepts and banking constraints into transparent, intuitive, and reassuring user journeys that foster long-term financial trust.
• Define and analyze key product metrics (AUM, conversion funnels, drop-offs, operational latency) to uncover actionable insights and iteratively optimize user experiences.

Mandatory Competencies

• Logical & Systematic Thinking: Exceptional ability to conceptualize complex, multi-layered system architectures, transaction state machines, and partner fund flows with an uncompromising focus on scalability, fault tolerance, and financial reconciliation.
• Critical Thinking: Relentless in dissecting edge cases, anticipating operational failure modes, and constructively challenging constraints from both internal squads and external financial/banking partners.
• Regulatory & Compliance Acumen: Deep appreciation for financial regulations, legal boundaries, and risk governance; ability to design compliant yet user-friendly product mechanisms.
• Design Thinking & Financial Empathy: Strong instinct for user mental models around personal savings, with the ability to craft clean, friction-free, and trust-inspiring digital experiences.
• Stakeholder & Multi-Partner Project Management: Proven track record of managing complex external dependencies (banks, financial institutions) and orchestrating cross-functional teams (Tech, QA, Legal, Compliance, Operations, and Finance).
• Clear & Assertive Communication: Outstanding verbal and written communication and negotiation skills in both Vietnamese and English, capable of translating complex technical constraints into executive business priorities.

Required Qualifications & Experience

• 3-5+ years of Product Management / Product Owner experience in FinTech, Digital Banking, Payment Systems, or Core Banking Integrations.
• Proven track record of directly owning high-volume transactional systems, balance management, or real-time partner balance/yield synchronization (experience with Money Market Funds, digital accumulation, or yield accounts is highly preferred).
• Solid experience in or strong exposure to multi-bank API integrations, core banking integration, or open-banking frameworks (Fixed Deposit / Term Deposit experience is a plus).
• Strong understanding of Vietnam’s financial landscape, banking regulations, payment intermediary frameworks, and compliance standards (KYC/eKYC, deposit mobilization partnerships).
• Demonstrated experience in guiding, coaching, or mentoring Junior POs and managing delivery quality across multi-track squads.

Preferred Qualifications

• Solid grasp of financial accounting principles (reconciliation, settlement cycles, general ledger).
• Proficiency in data querying and analytics tools (SQL, Metabase, Tableau, Amplitude).
• Strong alignment with Zalopay Core Values: Think Beyond, Deliver Excellence, Succeed Together.