Product Management
1 month ago
Job Purpose
The position will be responsible for driving segment/ segments of credit card program which includes managing the product design, customer offering, pre and post user journeys management, driving customer engagement programs and P&L management.
Key Accountabilities
End to end ownership for managing the conduct and profitability of Credit Card segment
Job Duties & responsibilities
Product Framework
Create & manage product value proposition
Monitor CVP performance and drive customer experience on CVP utilization
Drive acquisition program
Drive Card activation and onward customer engagement
Manage partnership and alliances requirement for the product
Work closely with technology team for enabling various engagement platforms
Customer experience & service
Build frictionless customer interface for complaints and requests
Build the Card app section for service & X-sell to drive customer experience , revenue
Interact closely with service team for service to sales
Stakeholder & vendor management
Will liase with payment network, Card partners, vendor partners to drive business goals
Work with internal stakeholders – Technology, Risk, Compliance, Operations, Collections, Audit and Service.
Regulatory compliance and assessment
Ensure adherence to regulatory guidelines for all card related parameters.
Ensure compliance of card network guidelines
Required Experience
•Minimum work experience of 6 years. Experience in credit cards/ payment services/ other financial services products will be preferred.
Education / Preferred Qualifications
•MBA Degree/PGDM from a recognized university.
•Specialization in Digital Payments will be an added advantage
Core Competencies
•Understanding of Credit Card Lifecycle
•Functional Understanding of different system involved in Credit Card Ecosystem
•Collaborative and Customer Obsessed
•Very good communication skills
•Aptitude for Risk identification & mitigation
•Lateral thinking, Negotiation & Interpersonal Influencing skills
Technical Competencies
•Conversant with card systems on originations, card management and interface with other linked systems.
•Good analytical skills to monitor and execute engagement programs
Good presentation skills (conversant with MS Office)
Work Relationship
•Reporting to VP Product management
•Working with Technology, Operations, Service ,vendor(s), Compliance, Risk, Consumer Banking Product & distribution teams,
•Interactions w/direct reports of Heads of Departments and others defined from time to time
DBS India - Culture & Behaviors
•Drive performance through Value Based Propositions
•Build pride and passion to protect, maintain and enhance DBS’ image and reputation
•Enhance knowledge base, build skill sets & develop competencies
•Invest in team building & motivation through ideation & innovation
•Execute at speed while maintaining error free operations
•Develop a passion for performance and grow the talent pool
•Maintain the highest standards of honesty and integrity
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