Senior Product Manager/Portfolio Lead - Credit Cards - Banking

Job Titles:

Senior Product Manager - Credit Cards - Exp - 4 yrs+ (IC)

Portfolio Lead - Credit Cards - Exp - 8 yrs+ (Team Handling)

Place of Work: Mumbai

Function: Credit Cards

Job Purpose:

- The position will be responsible for managing the relevant product variants within 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 & 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 & manage the product offering thru constant competition benchmarking, CVP interventions, build relevant features & offers to drive customer value proposition & profitability

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

- Management of Credit Policy & 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 & partner management for the products

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

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

Secondary Roles & Responsibilities:

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

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

- Evaluate & 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 & 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 & product development across relevant products

Educational Qualifications : MBA Marketing / Finance

Experience:

- Experience in credit card product management or related fields.

Industry : Banking, Partnerships