Role: Program Manager- Cobrand Cards

Location: Mumbai-Goregaon-Infinity IT Park

Department: Credit Card

Role Overview The Co-Brand Credit Card Manager is responsible for driving growth, engagement, and profitability for the organizations 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.
- Robust 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

📌 Program Manager- Cobrand credit cards (Ahmedabad)
🏢 Intellectual Capital HR Consulting
📍 Ahmedabad