VP/AVP- Product and Portfolio Management

Role & responsibilities:

Key highlights of the role are listed below (purely indicative and not limiting):

This position would include the mentioned set of responsibilities but not limited to:

• The role requires to lead the end-to-end product strategy and business performance of BOBCARD's credit card product function, with responsibility for scaling the business, strengthening product propositions, driving customer acquisition and engagement, managing product economics, and building strategic partnerships.
• The role combines product strategy, P&L management, portfolio growth, customer lifecycle management, digital transformation, partnerships and innovation, with a strong focus on delivering sustainable and profitable business growth.

Product Strategy

• Own the overall product strategy for proprietary consumer credit cards
• Define product architecture, proposition, positioning and pricing in line with target customer segments and business objectives.
• Identify opportunities for portfolio growth through new propositions, customer segmentation, lifecycle interventions, and ecosystem partnerships.
• Drive the product roadmap from concept through launch, adoption, and ongoing portfolio optimization.
• Launch and scale new credit card products aligned to evolving customer needs and market opportunities.

P&L & Business Performance

• Drive business economics with a clear focus on revenue growth, profitability, and cost optimization.
• Influence product and pricing mix through close collaboration with sales and distribution teams.
• Establish performance targets across acquisition, activation, spends, engagement, retention and customer lifetime value.
• Identify structural opportunities to improve profitability while maintaining customer value.

Customer Lifecycle Management

• Develop strategies to improve early activation and usage of newly acquired customers.
• Leverage customer data to identify new acquisition opportunities and improve acquisition economics.
• Drive customer lifecycle strategies across acquisition, activation, engagement, retention and cross-sell.

Digital Product & Transformation

• Lead digital transformation initiatives across the credit card customer journey.
• Build digital acquisition and cross-sell journeys on BOBCARDs digital platforms
• Identify opportunities to leverage ecosystem data to improve customer acquisition and product engagement.
• Drive simplification and digitization of customer journeys to improve conversion and experience.

Loyalty & Rewards

• Lead loyalty proposition strategy with a focus on customer engagement and program economics.
• Develop innovative loyalty features and redemption propositions to increase perceived customer value.
• Balance customer rewards, engagement and portfolio profitability through continuous optimization of the loyalty ecosystem.

Innovation & Market Differentiation

• Identify emerging customer behaviours, payment trends and ecosystem opportunities to create differentiated card propositions.
• Drive product innovation across rewards, payments, partnerships and customer experience

Corporate Cards & B2B Payments

• Lead the strategy, growth and profitability of Corporate Credit Cards, Purchase Cards, Commercial Cards and related B2B payment solutions.
• Develop value propositions for SMEs, mid-market and large corporates, focusing on spend management, working capital optimisation and digital payments.
• Build partnerships with ERP, procurement, travel and expense management platforms to enhance corporate card adoption and usage.
• Drive penetration across key corporate spend categories while improving spend visibility and controls for clients.

Analytics & Governance

• Establish robust product governance with regular monitoring of business, credit, operational and compliance metrics.
• Develop performance dashboards and MIS frameworks to track acquisition, spends, customer engagement and risk outcomes.