Job Description

Role/ Job Title : Product Lead - Credit Cards
Function/ Department : Credit Cards
Job Purpose :
The Product Lead role, Credit Cards will entail Implementation of launching, owning, and maintaining Credit card products and propositions for the Segment, Driving existing and new capabilities with stakeholders, effective project management, evaluation of solutions and drive towards implementation. Support stakeholders, internal & external, own profitability for respective products as well as customer communication. The role will closely collaborate with the Business, Technology, Operations, and critical Risk Management functions. The Person will also need to be entrepreneurial to drive journey, tech and business initiatives end to end with respective stakeholders.
Roles & Responsibilities :

• Manage and track items involved in the Credit card P&L.
• Lead Implementation of New Card solutions, propositions, and profitability measures
• Identify the segment needs, develop & manage product offerings for Segment 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
• Management of Credit Policy & Underwriting Processes for right customer selection, optimizing 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, behavior, 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 add on, replacement & upgrade processes for the segment.
• Own P&L for all products for Segments.
• Lead, guide and mentor product managers for respective products.
• Build strong relations with internal & external stakeholders.
• Align closely with Customer Service to build and maintain a strong customer experience.
• Evaluate & drive promotional plans to ensure that they are consistent with product line and segment's strategic objective.
• Build strong relations with internal & external stakeholders.
• Assist the Business in participating and owning central business objectives across segment.
• Mentor and coach team members to percolate ethos of customer centricity, innovation, compliance, and integrity within the team.
• Enable teams to drive projects / enhancements / automation by providing necessary support 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 & external partners requirements and tasks in time sensitive situations.

Education Qualification :
Graduation: Bachelor's in Engineering / Technology / Management/ Computers/Science.
Post-graduation: MBA.
Experience : 10 to 18 years of relevant experience.
CTC : Max INR 40 lpa
Team Size : 3 reportees hence Team handling experience is must.
Location : BKC, Mumbai

Skills Required