Program Manager

1 week ago

Mumbai Maharashtra India, Maharashtra Client of Intellectual capital Full time

Role: Program Manager- Cobrand Card

Location: Mumbai-Goregaon-Infinity IT Park

Department: Credit Card

Role Overview

The Co-Brand Credit Card Manager is responsible for driving growth, engagement, and profitability for the organization’s co-branded credit card portfolio. This role manages partner relationships, product strategy, customer acquisition initiatives, and ongoing portfolio performance to deliver strong business results.

Key Responsibilities

1. Partnership Management

· Serve as the primary point of contact for co-brand partner(s)

· Manage day-to-day partner interactions, governance meetings, and long-term strategic planning

· Ensure compliance with co-brand agreements, brand guidelines, and regulatory obligations

2. Product & Portfolio Management

· Define and enhance the co-brand credit card value proposition, rewards structure, and customer benefits

· Build a digital onboarding journey

· Monitor portfolio KPIs including acquisitions, activation, spends, attrition, credit performance, and profitability

· Conduct market research to identify trends and competitive benchmarking

3. Marketing & Acquisition

· Develop and execute integrated marketing campaigns across digital, in-store, on-site, and partner channels

· Optimize customer acquisition funnels, partner promotions, and cross-sell opportunities

· Collaborate with marketing, analytics, and partner teams to improve targeting and ROI

4. Customer Experience & Engagement

· Improve customer journey from onboarding to long-term engagement

· Drive usage of card benefits, rewards redemption, and partner ecosystem engagement

· Work with CX and operations teams to enhance service levels and reduce customer friction

5. Financial & Risk Management

· Track financial performance: revenue, cost of acquisition, rewards liability, and profitability

· Support credit policies, underwriting strategies, and risk monitoring

· Prepare executive reports and business reviews with data-backed insights

Qualifications

· Bachelor’s degree required; MBA preferred from top tier college

· 10-12 years of experience in cards, payments, partnerships, or product management.

· Strong analytical and financial acumen; ability to work with data/BI tools.

· Excellent communication, negotiation, and relationship-building skills.

· Experience in credit cards, fintech, banks, or loyalty programs is a plus.

Key Skills

· Partnership & stakeholder management

· Creating customer Journeys- Understanding of Tech

· Risk and Policy framework for underwriting

· Customer experience design

· Marketing strategy & campaign execution

· Data interpretation & portfolio analytics

· Negotiation & project management

· Product lifecycle management

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