Senior Product Manager-Credit Cards

Job Requirements

About the Role

The Senior Product Manager – Credit Cards will be responsible for managing key portfolio activities including regulatory compliance (30D & 365D activation), RTO management, attrition reduction, and channel management (Outbound, IVR, D2C etc.). The role will primarily focus on driving strategy, process optimization, automation, and designing customer-centric journeys to enhance the overall credit card lifecycle. This position requires close collaboration with cross-functional teams to deliver digital transformation and ensure superior customer experience.

Key Responsibilities

Primary Responsibilities

• Reimagine the customer lifecycle by designing and aligning portfolio processes and journeys to deliver superior, customer-centric experiences.
• Drive end-to-end automation and digitization of portfolio workflows, including usage activation, RTO management, closure processes, and manual tasks.
• Lead strategic automation initiatives such as Data Lake integration, CRM workflows, and digital journey enhancements for efficiency and scalability.
• Identify manual processes within the credit card portfolio and implement technology-driven solutions for optimization.
• Manage regulatory activities (30D & 365D activation) with accurate compliance tracking and reporting.
• Oversee channel management across Outbound, IVR, D2C, Liabilities, Assets, VRM, etc. to achieve portfolio objectives and optimize outreach strategies.
• Implement marketing strategies and design go-to-market plans with digital-first communication.
• Collaborate with analytics to create customer personas and enable data-driven, personalized campaigns.
• Align with customer service to digitize support processes and ensure seamless customer experience.
• Evaluate and execute promotional plans using automated dashboards and performance tracking tools.
• Work closely with cross-functional teams (Product, Marketing, Tech, UX, Operations, Analytics, Compliance) to achieve portfolio objectives and transformation projects.
• Analyze customer behavior through advanced data analytics and align propositions accordingly.
• Provide regular updates to senior management on critical portfolio activities, automation progress, and key performance metrics.
• Build strong relationships and communicate effectively with internal and external stakeholders to drive automation adoption.
  
  

• Graduation: Any Graduation (B.E. / B.Tech preferred)
• Post-Graduation: MBA
  
  

• 5 years of experience in credit card product or portfolio management, or related fields such as retail banking, payments, or financial services.
  
  

• Strong analytical and problem-solving skills with ability to interpret data, trends, and drive insights.
• Excellent stakeholder management and collaboration with cross-functional teams to deliver strategic initiatives.
• Expertise in portfolio strategy, marketing planning, and go-to-market execution with a digital-first approach.
• Exceptional communication and presentation skills, including senior management reporting.
• Innovation mindset with ability to reimagine processes, design customer-centric journeys, and ensure operational excellence.
• High attention to detail, process orientation, and ability to thrive in a fast-paced, dynamic environment with a customer-first focus.