Manager - New Business and Product Development (SME Merchants)

Executive Summary

MoMo is Vietnam’s leading fintech platform, driving financial inclusion through technology and innovation. The SME Payment & Business Solutions (SPS) department powers one of the largest SME merchant ecosystems in the country through products like QR payments and Soundbox.

Here’s the challenge: beyond payments, merchants still lack simple, practical digital tools for the rest of their daily operations — from managing sales, attracting customers, handling compliance, to accessing working capital. The products that solve these problems haven’t been built yet. And that’s exactly why this role exists.

The Manager of New Business and Product for SME Merchants will own the exploration, validation, and launch of new product lines that expand MoMo’s value proposition for merchants beyond payments. This is a 0→1 builder role — you won’t inherit a defined product roadmap. You’ll create one.

Why This Role, Why Now

• Payment is becoming a commodity: Soundbox and QR have strong Product-Market-Fit, but competitors are replicating fast. MoMo needs new value layers to retain merchants and build a moat beyond hardware.

• Regulatory tailwinds: New policies on electronic invoicing, digital tax filing, and SME formalization are creating demand for simple compliance tools — but no one has nailed it for micro/small merchants yet.

• Data advantage at scale: With hundreds of thousands of active merchants and rich transaction data, MoMo has a unique right to build financial and operational products that no standalone SaaS player can match.

Ecosystem lock-in strategy: Each new product (treasury, financing, CRM, compliance) deepens merchant dependency on MoMo, making switching harder and LTV higher.

Mô tả công việc

Key Responsibilities 

Primary Focus (70% of time) — Build & Validate New Products

• Product Discovery & Validation

• Solution Design & Go-to-Market

• Business Model & Monetization

Secondary Focus (30% of time) — Scale & Lead

• Partnership & Ecosystem Development

• Team Building & Leadership

Yêu cầu công việc

Who will Succeed in This Role

This role sits at the intersection of fintech, product development, SME empowerment, and regulatory transformation. The people who succeed here are not traditional corporate operators, but builders who enjoy solving complex, real-world problems.

• System thinker: enjoy understanding how complex systems work and simplifying them into clear, practical product logic.

• Builders - not just managers: have a strong builder mindset and enjoy creating meaningful products and businesses from the ground up.

• Customer centric leaders: genuinely care about small merchants and enjoy engaging directly with business owners and frontline staff to turn real insights into practical solutions.

• Curious and fast learners: adapt quickly to new domains, stay intellectually curious, and continuously seek better ways to solve problems.

• Data-informed but action-biased: use data to make decisions, not to delay them; and design experiments to learn fast.

• Cross-functional collaborators: work effectively across product, engineering, risk, regulatory, and merchant business teams to bring ideas to execution.

Requirements

Strongly Preferred

• 5+ years of experience in product management, business development, or startup/new business roles, with at least 2 years owning a product or business line end-to-end.

• Proven 0→1 track record: have launched a new product, feature set, or business unit from scratch (inside a company or as a founder) and scaled it to measurable traction.

• Strong product thinking: ability to identify user problems, frame hypotheses, write clear PRDs, and work with engineering teams to ship solutions.

• Analytical rigor: comfortable with data, dashboards, A/B testing, and using metrics to drive decisions. Can build a basic business model and track unit economics.

Nice to Have

• Experience working with SME merchants or small business owners in Vietnam.

• Experience with hardware + software product combinations (POS, IoT, Soundbox-like devices).

• MBA or advanced degree in Business, Product, or Technology.

• Startup or consulting background.

What We Offers

• Impactful Role: Build solutions that support millions of small merchants in Vietnam, helping them operate more efficiently and confidently in a rapidly evolving digital economy.

• Dynamic Environment: Work in a fast-moving fintech company where teams collaborate closely, experiment quickly, and continuously innovate to deliver meaningful impact.

• Career Growth: Gain exposure to product innovation, regulatory transformation, and one of the largest SME ecosystems in Vietnam, with strong opportunities for leadership development.

• Competitive Compensation: Attractive salary and benefits package, including performance-based bonuses and comprehensive health insurance.

• Innovative Projects: Be part of building new product categories at the intersection of fintech, SME empowerment, and digital infrastructure.