Product Owner - Credit Card

About TymeX:
TymeX is the Product, technology and data analytics hub of the Tyme Group. At TymeX, we are reimagining digital banking across emerging markets, across South Africa and Asia.
Our mission is to unlock human potential, and we aim to do so through the development of transformative financial services that empower individuals and small businesses. We believe in the power of technology to provide products that make a real difference in our customers' lives.

About the Product Team:
Early on, we realised that to truly deliver financial services that are innovative, transparent, fair, and intuitive, we'd have to reinvent how they're created altogether. We needed people who could seamlessly blend product direction with strong delivery execution, who could effortlessly move from understanding customer needs to coordinating cross-functional teams. And that’s exactly why our Product team exists. Part outcome-driven Product Owner, part Customer Advocate. We are a team of digital evangelists, bankers, fintech-ers and some less obvious backgrounds. Our offices are in Vietnam but we operate from all over the world.
Today, our team run products that are improving the lives of more than 20 million customers.

Why work with TymeX:

• International and collaborative culture: Be part of a dynamic team that values collaboration, continuous learning, and personal growth
• Innovation-driven environment: Work with the latest technologies including serverless aspects of AWS Cloud, AI-augmented engineering, microservices, Java, and Python
• Competitive benefits: Enjoy a comprehensive benefits package, opportunities for professional development (see below)
• Learning and development: Access to technical seminars, conferences, career talks, and overseas training to accelerate your career advancement and ensure continuous growth
• Impactful work: Contribute to projects that directly influence financial empowerment and access in emerging markets

What you’ll be doing:
The Product Owner (PO) role will work closely with the Business, Design, Engineering teams to manage the full product development lifecycle, from problem definition and discovery to design, launch, iteration, growth and continous improvement and support. We are recruiting for PO for our Credit Card product portfolio.

• Own and define the Credit Card product’ vision and roadmap in partnership with key stakeholders, evaluating priorities and assessing ambiguous trade-offs, balancing customer, risk, compliance, operations, delivery timelines and commercial outcomes
• Understand target customer personas and needs, and leverage this knowledge to define and guide the product development process with a hypothesis-based problem-solving mindset and translate outcomes into clear epics, features, and user stories
• Manage and prioritise backlogs, plan sprints and lead engineering teams to advance user stories into production, ensuring deliverables meet high standards (clear acceptance criteria, definition of done, and release readiness)
• Enable the use of data in products systematically, and use data to measure the success of product initiatives, and to inform product decisions and prioritisation (instrumentation, reporting, and post-release iteration)
• Align with stakeholders to achieve buy-in and ensure that product scopes, decisions, prioritizations and timelines are well understood (including dependency management and transparent trade-offs)
• Own and maintain a healthy, transparent delivery backlog and roadmap in Jira (& Jira Product Discovery)
• Facilitate effective product delivery rituals (refinement, sprint planning, reviews) and ensure outcomes are captured in Jira/Confluence
• Coordinate end-to-end delivery with cross-functional teams (Risk, Compliance, Legal, Operations, Fraud, Customer Support, vendors/partners) to ensure credit card features are shippable and operationally ready
• Contribute to AI-enabled initiatives (AI PM track) where applicable — helping frame problems, define success metrics, and ensure responsible rollout and monitoring

Requirements:
Requirements

• Proven track record as a PO in high-growth digital / tech companies, leading digital products from inception to completion in an agile environment. Strong preference for experience in credit cards (debit cards / lending / payments also relevant)
• Strong technical fluency to work effectively with Engineering (APIs, integrations, analytics/instrumentation). Computer engineering or related technical background a strong plus.
• Strong product judgement and prioritisation skills, with a clear bias toward delivery and measurable outcomes
• High discipline and quality bar: structured, detail-oriented, and dependable in execution and documentation
• Capacity to navigate in ambiguous, agile, fast-paced and high-stress situations, managing challenging technical and business stakeholders with strong influencing skills
• Highly skilled in the “craft” of product development, with a passion for innovative customer experiences, digital products, and the latest digital trends
• Outstanding written and verbal communication skills in English
• Strong attention to detail, with an entrepreneurial, highly practical but curious mindset, and a street-smart “feel” for the pulse of the target consumer
• Track record of leadership and achievement
• Related certifications and delivery experience in Scrum, Agile a plus.
• Strong hands-on experience with Jira; Jira Product Discovery and the Atlassian suite preferred
• AI/ML exposure is a plus: experience shipping AI-enabled features or partnering with data/ML teams (problem framing, evaluation metrics, monitoring, governance)

Benefits:
• Meal and parking allowance are covered by the company

• Full benefits and salary rank during probation
• Insurances as Vietnamese labor law and premium health care for you and your family without seniority compulsory
• Performance bonus up to 2 months
• 13th month salary pro-rata
• 15-day annual leave+ 3-day sick leave + 1 birthday leave + 1 Christmas leave
• SMART goals and clear career opportunities (technical seminar, conference, and career talk) – we focus on your development
• Values-driven, international working environment, and agile culture
• Overseas travel opportunities for training and working related
• Internal Hackathons and company’s events (team building, coffee run, blue card…)
• Work-life balance 40-hr per week from Mon to Fri

Beside the tangible benefits, we promise you the opportunity to:

• Work with a best-in-class product community who practice the latest methodologies and work with the latest technologies in banking
• Work on the forefront of the digital banking sector as we scale to meet our vision of being a global leader in multi-country digital banking.