Senior Product Manager - Credit Cards

Job Purpose:

The position will be responsible for managing the relevant product variants within the Credit cards ecosystem. Own the product end to end - Risk, policy, Acquisition with S&D, processes, partnerships, financials and capabilities and product execution end to end.

- Managing sales funnel through interventions at Credit policy, Underwriting processes, frictionless sales onboarding processes and portfolio metrics.

- Ownership of product privileges, campaign metrics, smooth functioning of customer lifecycle including customer service.

- Ownership of product planning, analysis and P&L for the respective variants.

- Drive multiple capabilities and processes for customer service, own customer service metrics for respective products.

Primary Roles & Responsibilities:

- Identify the target segment needs, develop and manage the product offering through constant competition benchmarking, CVP interventions, build relevant features and offers to drive customer value proposition and profitability.

- Designing go-to market strategies, enabling the appropriate communication calendars to drive product persona across customer base.

- Management of Credit Policy and Underwriting Processes for right customer selection, optimising the existing bank clients for Pre-approved / Pre-qualified eligible base.

- Facilitate seamless client onboarding with minimal friction. Establishing and maintaining the internal ecosystem to support scale up of all facets of the business and execution of the segment roadmap.

- Work closely with Analytics team for creating the right personas basis lifestyle, behaviour, propensity etc for customized and differentiated acquisition messaging for optimal conversion.

- Own all aspects of base management, recon across product features, reward redemption, statements, stationary.

- Own all aspects related to customer service and partner management for the products.

- Own P&L for respective variants including revenue and loss metrics.

- Own all capabilities related to Secured cards across journeys, mobile app and service.

Secondary Roles & Responsibilities:

- Build strong relations with internal and external stakeholders, partners and customers.

- Align closely with Customer Service to build and maintain a strong customer experience.

- Evaluate and drive promotional plans to ensure that they are consistent with product line and segment's strategic objective.

Managerial & Leadership Responsibilities:

- Positive, collaborative attitude, Prolific communicator.

- Ability to evaluate potential business opportunities, structure the team's thinking, and reach insightful answers.

- Experience in managing multiple cross-functional opportunities and projects in parallel.

- Ambitious team player with the ability to manage the internal and external partners requirements and tasks in time sensitive situations.

Key Success:

- Successful ownership of product CVP management, journey GTMs and partnership management.

- Product sales and early activation metrics.

- Drive and achieve the agreed business plan and P&L metrics though sales support and interventions.

- Drive new initiatives and product development across relevant products.

Educational Qualifications:

- MBA Marketing / Finance.

Experience:

- 4 years of experience in credit card product management or related fields.