CheQ - Associate Director - Credit Card

About CheQAt CheQ, we're turning the chaos of credit into a journey that's clear, rewarding, and even a little fun. With - 50,000 Cr+ in lifetime payments, a growing tribe of users (30%+ using more than two products), and $16M raised from marquee investors, we're fast becoming India's favorite way to go from credit-stressed to credit-smart.Founded by ex-Flipkart leader Aditya Soni and backed by 3one4 Capital, Venture Highway, Ram Shriram, Lloyd Mathias and more, CheQ isn't just another fintech, it's a full-stack credit experience.Here's what makes us different:Credit, simplified - Track, pay, and optimise every credit card, loan, and bill in one smooth dashboard.AI that actually helps - Meet Wisor, India's first AI-powered credit advisor giving real financial intelligence, not just data.More than payments - Rewards, instant loans, and an embedded wallet all stitched into one seamless journey.We're here to make managing money feel less like a chore and more like a win.What you'll be doingWe are seeking an experienced and dynamic person to join the development, launch, and ongoing management of our co-branded credit card in collaboration with an issuer bank. In this role, you will be responsible for launching and managing the credit card and future card portfolio, optimising product performance, and strengthening relationships with industry players to enhance offerings for our customers. Product Development and Launch: Partner with the bank to design, develop, and launch a co-branded credit card tailored to our customers' needs. Define product features, rewards, and value propositions that align with our brand.Relationship Management: Build and maintain strong relationships with the issuer bank, payment networks, and other key industry players. Negotiate offers, promotions, and partnerships that enhance the card's value to our customers.Portfolio Management: Oversee the performance of the credit card portfolio, including customer acquisition, retention, usage, and profitability metrics. Develop and execute strategies to drive engagement and optimize portfolio performanceMarket and Competitive Analysis: Monitor industry trends, competitor products, and customer preferences to inform product development and improve the card's competitive position.Marketing and Promotion: Work with internal teams to develop marketing strategies and promotional campaigns to drive customer acquisition and engagement. Ensure that card benefits and features are effectively communicated to target audiences.Compliance and Risk Management: Ensure that the co-branded credit card program complies with all applicable regulations and risk policies, working closely with compliance, risk, and legal teams.What you'll need:- Bachelor's degree in Business, Finance, Marketing, or a related field. MBA is a plus.- Minimum of 5 years of experience in credit card product management, partnerships, or related roles. Experience in co-branded credit card programs.- Strong negotiation and relationship-building skills, with a proven track record of securing partnerships and managing external stakeholders.- Ability to analyze data and use insights to drive decision-making and optimize product performance.- Knowledge of compliance and regulatory requirements related to credit card products.- Excellent communication and presentation skills.Why should you join CheQYou own it, we trust youShape your work with freedom, deliver with ownership, backed by trust.Bold, fast & humanWe push boundaries together, and deliver with agility, rigor, and heart. Always looking out for one another.Growth by osmosisLearn directly from a stellar leadership team with rich, diverse backgrounds.What you will not getMonotony - Work is dynamic, expect variety every day.Slow climbs - Growth here is about leaps, not ladders.Layers of red tape - We believe in speed, not bureaucracy. (ref:iimjobs.com)