Product Owner – App Experience
Product Owner – App Experience
Job Grade: Manager / Senior Manager
Reporting Line: Head of Credit Cards
Location: Ho Chi Minh City
Type: Onsite
About The Role
As a Product Owner, this role supports the Credit Cards Line of Business to deliver and manage the "Circle App Experience" - ensuring that every interaction, from checking a balance to sharing a card with a family member, is "Spotify-smooth" and intuitive. You own the UI/UX flows and our unique "Freemium" subscription model. Your mission is to make Circle the most beautiful and user-friendly financial app in the Vietnamese market.
As a Product Owner, this role supports the Credit Cards Line of Business to deliver and manage the "Circle App Experience" - ensuring that every interaction, from checking a balance to sharing a card with a family member, is "Spotify-smooth" and intuitive. You own the UI/UX flows and our unique "Freemium" subscription model. Your mission is to make Circle the most beautiful and user-friendly financial app in the Vietnamese market.
Key Responsibilities
- Design and optimize every screen and flow in the Circle app. You will own the "Home Screen" hierarchy, onboarding experience, transaction views, and card control interfaces among others
- Manage the product logic for our tiered subscriptions (Circle Plus, Ultra). You will oversee the billing logic, the "Premium" feature gates, and the AI-driven recommendation engine for upsells
- You’ll own commercial development for our subscription programs while working with other product owners, including business model creation, stakeholder engagement, and securing founder buy-in
- Partner with the tech and data teams to ensure the app provides personalized spending insights and predictive recommendations that actually help users.
- Relentlessly seek customer feedback. You will lead user research, A/B testing of UI elements, and funnel analysis to reduce "app churn".
- Work hand-in-hand with our Designers to ensure we maintain a consistent, modern, and accessible design system across all platforms.
- You will assess market conditions, competitors, and internal capabilities, identify risks, resolve app decisions, and act as a trusted SME on credit card app experience.
Requirements
- At least 3 years of professional experience in B2C Mobile App Product Management. Experience with high-growth apps in e-commerce, social media, or neobanking is highly preferred.
- Strong understanding of UI/UX principles, mobile-first design patterns, and "human-centered design."
- Experience with subscription-based business models or freemium product mechanics (growth hacking, paywalls, tiered benefits).
- Obsessed with creating customer delight in every interaction - you care about the animations, the haptics, and the micro-copy that makes an app feel alive.
- Demonstrated track record delivering complex initiatives in a fast‑paced environment.
- Creative mindset with a deep understanding of Gen Z / Millennial lifestyle trends in Vietnam.
- Strong stakeholder management skills; you can negotiate technical and commercial requirements with internal tech teams.
- Ability to use data to justify the "Why" behind a new feature, calculating expected uplift in engagement
- Excellent written and verbal communication skills, with the ability to build relationships and influence stakeholders. Fully bilingual in Vietnamese and English.
- Proficiency in using AI design and feedback analysis tools to speed up the UX iteration cycle.
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
Circle is Vietnam’s first credit-led neobank. Founded by distinguished alumni from McKinsey & Company, Visa, HSBC, backed by global silicon valley investors and partnered with VPBank, we are redefining credit and payments for Gen Z and Millennials. We offer a mobile-first, digital-only experience that breaks traditional barriers and is positioned to be at the bleeding edge of innovation in payments in Vietnam and Southeast Asia.
Circle is Vietnam’s first credit-led neobank. Founded by distinguished alumni from McKinsey & Company, Visa, HSBC, backed by global silicon valley investors and partnered with VPBank, we are redefining credit and payments for Gen Z and Millennials. We offer a mobile-first, digital-only experience that breaks traditional barriers and is positioned to be at the bleeding edge of innovation in payments in Vietnam and Southeast Asia.