About the Role
This position involves designing, developing, and maintaining attractive and sustainable card products that effectively drive customer acquisition and promote sustainable card usage. Key responsibilities include defining the proposition, identifying target customer segments, assessing financial viability, establishing market positioning, crafting launch strategies, and developing implementation roadmaps, along with sales strategies and ongoing maintenance activities.
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Responsibilities
- Design, develop, and maintain card products that attract customers and ensure sustainable usage.
- Explore potential co-brand and product partnerships; prepare business case pitch decks and detailed financial models.
- Align with potential partners and internal stakeholders on product constructs and their implementation.
- Regularly evaluate existing value propositions and implement strategic or tactical changes to maintain best-in-class Customer Value Propositions (CVP).
- Conduct detailed cost estimations and cost-benefit analyses using simulation models.
- Identify and form strategic partnerships that enhance CVPs; drive onboarding and integration with internal stakeholders (Procurement, Finance, Legal, IT, Ops, etc.).
- Manage product launches, re-launches, and maintenance, ensuring compliance with internal policies through collaboration with IT, Ops, Marketing, and Digital teams.
- Develop credit card acquisition strategies focusing on digital user experience, policy optimization, channel management, and performance monitoring.
- Collaborate with the risk team to evaluate existing policy programs and propose changes to maximize risk-adjusted returns from new acquisitions.
- Design and implement an effective onboarding and early account management program to maximize activation and early spending.
- Adopt a digital-first approach to all aspects of the product and portfolio, including acquisitions, account management, maintenance, services, and customer engagement.
- Oversee the end-to-end customer experience, including digitization, straight-through processing, and management of customer complaints and resolution times (TATs).
- Work closely with Payment Schemes and handle commercial and legal agreements.
- Deliver management presentations and updates on business performance, including opportunities and key risks.
Requirements
- Strong analytical skills to evaluate and design effective product strategies and models.
- Experience in managing partnerships and stakeholder relationships.
- Proficiency in financial modeling and business case development.
- Ability to navigate complex internal and external environments.
- Effective communication skills for delivering presentations to management.
