Product Manager-Credit Cards

Job Requirements

Job Requirements

Role/ Job Title: Product Manager- Credit Cards

Function/ Department: Retail Banking

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 thru 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
  
  

• 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