Senior Product Manager - Credit Cards

Job Purpose: The position will be responsible for managing the relevant product variants within the Credit cards ecosystem. Own the product end to end - Risk, policy, Acquisition with S&D, processes, partnerships, financials and capabilities and product execution end to end. - Managing sales funnel through interventions at Credit policy, Underwriting processes, frictionless sales onboarding processes and portfolio metrics. - Ownership of product privileges, campaign metrics, smooth functioning of customer lifecycle including customer service. - Ownership of product planning, analysis and P&L for the respective variants. - Drive multiple capabilities and processes for customer service, own customer service metrics for respective products. Primary Roles & Responsibilities: - Identify the target segment needs, develop and manage the product offering through constant competition benchmarking, CVP interventions, build relevant features and offers to drive customer value proposition and profitability. - Designing go-to market strategies, enabling the appropriate communication calendars to drive product persona across customer base. - Management of Credit Policy and Underwriting Processes for right customer selection, optimising the existing bank clients for Pre-approved / Pre-qualified eligible base. - Facilitate seamless client onboarding with minimal friction. Establishing and maintaining the internal ecosystem to support scale up of all facets of the business and execution of the segment roadmap. - Work closely with Analytics team for creating the right personas basis lifestyle, behaviour, propensity etc for customized and differentiated acquisition messaging for optimal conversion. - Own all aspects of base management, recon across product features, reward redemption, statements, stationary. - Own all aspects related to customer service and partner management for the products. - Own P&L for respective variants including revenue and loss metrics. - Own all capabilities related to Secured cards across journeys, mobile app and service. Secondary Roles & Responsibilities: - Build strong relations with internal and external stakeholders, partners and customers. - Align closely with Customer Service to build and maintain a strong customer experience. - Evaluate and drive promotional plans to ensure that they are consistent with product line and segment's strategic objective. Managerial & Leadership Responsibilities: - Positive, collaborative attitude, Prolific communicator. - Ability to evaluate potential business opportunities, structure the team's thinking, and reach insightful answers. - Experience in managing multiple cross-functional opportunities and projects in parallel. - Ambitious team player with the ability to manage the internal and external partners requirements and tasks in time sensitive situations. Key Success: - Successful ownership of product CVP management, journey GTMs and partnership management. - Product sales and early activation metrics. - Drive and achieve the agreed business plan and P&L metrics though sales support and interventions. - Drive new initiatives and product development across relevant products. Educational Qualifications: - MBA Marketing / Finance. Experience: - 4 years of experience in credit card product management or related fields.