Product Manager-CREDIT CARD-Marketing HO

3 days ago

Mumbai, Maharashtra, India Kotak Mahindra Bank Full time
Description
Role: Cobrand Cards Program Manager Grade: M6-M7   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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