Senior Product Manager, Credit Cards

6 days ago

Bangalore, India Mashreq Full time

Job Purpose

This role is responsible for managing the credit cards acquisitions and product programs at Mashreq across the customer life cycle (product development, acquisition, early account management, life cycle management, product profitability, product maintenance). The objective of the role is to launch new products in new and existing geographies and achieve sustainable growth in client and business volumes and revenues through developing attractive products, designing the best-in-class onboarding and lifecycle experiences and managing client relationships.

Key Result Areas

Design, develop and maintain attractive and sustainable credit card products that drive customer acquisition and sustainable card usage – proposition, target customer segments, financial viability, market positioning & launch strategies, implementation roadmaps, sales strategy and BAU maintenance

Launch new products with in-depth research in the existing and new geographies.

Continuously evaluate the existing value propositions and make strategic as well as tactical changes to ensure the CVP remains best-in-class

Run simulation models and analyses to conduct detailed cost estimations and cost-benefit analysis across products

Identify and form strategic, long term as well as event-based premium and ultra-premium partnerships to augment the CVP. Drive onboarding and integration of all partners with relevant internal stakeholders – Procurement, Finance, Legal, IT, Ops etc.

Drive product launches, re-launches and maintenance, working closely with internal stakeholders such as IT, Ops, Marketing and Digital. Ensure all approvals are in place as per the bank’s policy guidelines

Conceptualize and drive credit cards acquisition strategies – invitation-only, digital acquisitions, policy optimization and relationship management

Design and run an effective onboarding and early account management program, aimed at maximizing activation and early spends

Adopt a digital-first strategy for all product and portfolio actions – acquisitions, early account management, card maintenance, card services, portfolio/inorganic sales, engagement programs and customer retention

Own the end-to-end customer experience for all initiatives – digitization of services, straight-through processing, first-point-resolution, management of customer complaints and resolution TATs

Work closely with the Payments' Schemes, including the commercial and legal agreements with the Schemes

Deliver management presentations and updates on regular business performance, opportunities and key risks

Operating Environment, Framework and Boundaries, Working Relationships

The candidate is required to interact with and maintain close working relationships with various internal stakeholders, as well as develop and cultivate relationships with merchant partners, suppliers and vendors

The candidate is expected to deliver management presentations and updates on regular business performance, opportunities and key risks

The candidate is required to adhere to the bank’s governance practices, and ensure adherence to all regulatory, legal and internal policies at all times

Knowledge, Skills & experience

Bachelors and Masters in Finance/Economics/Strategy/Business Administration with 5+ years of banking/payments/consulting experience, with at least 2 years’ experience in Cards Product/ Portfolio /P&L management

Strategic thinking – ability to understand the key dynamics and drivers of the cards business; understand industry trends and visualize what new trends and technologies would emerge in the near to medium term future; and devise strategies to respond to such opportunities/threats to ensure the bank stays ahead of the curve

Tactical nous – ability to also understand the immediate and short-term priorities for the business and ensure timely actions to honor such priorities

Excellent analytical and problem-solving skills – ability to comprehend large problems, break them down into smaller executable tasks, and track such tasks to execution and closure

Excellent communication skills – ability to easily and clearly convey ideas, action plan and challenges across all levels of hierarchy in the organization

A good team player – ability to work with stakeholders across various units; ability to influence and drive decision making in large groups, including in non-reporting relationships; ability to resolve conflicts constructively and lead the team to a consensus

Passionate about change and making a difference – at Mashreq, the employee is empowered and encouraged to conceptualize and drive change to achieve improved business outcomes

Self-initiated – open to learning new ideas outside scope or knowledge. Open to operating outside one’s comfort zone

Very strong management presentation skills

Strong understanding of Agile methodologies is a plus.

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