Job Description

Job Summary

To manage the Credit and Debit Card product portfolio, driving customer value, revenue growth, and digital innovation. The role involves end-to-end product ownership including strategy, development, performance management, and cross-functional execution, in alignment with business goals and regulatory expectations.

Experience:

5-10 years in Retail Banking or Payment Cards, with at least 3 years in a product management role Experience with card schemes (Visa/MasterCard), processors, and digital enablers preferred

Skills:

Strong understanding of card product economics and lifecycle Analytical thinking and data-driven decision making Solid project management and execution skills Effective collaboration with cross-functional teams Knowledge of emerging trends in digital payments and customer experience

Mandatory Professional Certifications & Licenses Requirement

Cards acquisition and activation rate Usage growth (spend per card / transaction frequency) Product-level profitability and cost control Digital adoption and self-service penetration

Main Accountabilities (Maximum of 10)

Product Ownership & Strategy

Own the cards product roadmap - across Credit, Debit, and Prepaid segments. Drive product positioning and value proposition across customer segments. Benchmark against market offerings and proactively identify opportunities for innovation and differentiation.

Portfolio & P&L Management

Monitor and manage key performance metrics: acquisition, activation, usage, attrition, profitability, NCLs. Optimize fee income, interchange revenue, rewards cost, and lifecycle profitability. Collaborate with Finance to ensure accurate product P&L reporting and forecasting.

Product Development & Enhancement

Work with internal and external partners (e.g., Visa, Mastercard, fintechs) to develop new propositions, features, and benefits. Lead initiatives such as co-branded cards, digital issuance, tokenization, tap-to-pay, and loyalty integration. Ensure timely implementation of new product features, campaigns, and pricing changes.

Customer Experience & Digital Integration

Enhance the end-to-end cardholder journey - from application to usage and servicing. Collaborate with Digital Banking to embed card services into mobile/internet channels. Support instant issuance, digital onboarding, and self-service capabilities.

Cross-Functional Execution

Liaise with key functions including Marketing, Operations, Risk, Compliance, Legal, IT, and Sales. Support marketing campaigns, customer communications, and frontline training. Address issues and gaps raised by internal stakeholders, audit, or customer feedback.

Regulatory & Risk Compliance

Ensure all card products comply with regulatory, scheme, and internal governance requirements. Own product documentation, SOPs, disclosures, and audit readiness. * Proactively identify and mitigate operational and reputational risks related to card products.