Job Requirements

Job Requirements

Role/ Job Title: Product Manager- Credit Cards

Function/ Department: Retail Banking

Job Purpose:

The position will be responsible for managing the relevant product variants within 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 thru interventions at Credit policy, Underwriting processes, frictionless sales onboarding processes & 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

Roles & Responsibilities:

- Identify the target segment needs, develop & manage the product offering thru constant competition benchmarking, CVP interventions, build relevant features & offers to drive customer value proposition & profitability
- Designing go-to market strategies, enabling the appropriate communication calendars to drive product persona across customer base




- Management of Credit Policy & 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 & partner management for the products
- - Own P&L; for respective variants including revenue & loss metrics
- - Own all capabilities related to Secured cards across journeys, mobile app and service

Education Qualification (Fulltime):

Graduation: Bachelor's in engineering / Technology / Math's / Commerce / Arts / Science / Biology / Business / Computers / Engineering / Management

Experience: 2 to 5 years of relevant experience

📌 Product Manager-Credit Cards (Mumbai)
🏢 IDFC
📍 Mumbai