Job Description

Role/ Job Title: Product Lead - Credit Cards Business: Consumer Banking Function/ Department: Credit Cards Place of Work: Mumbai Job Purpose: The role entails for Implementation of launching, owning and maintaining Credit card products and propositions for the Millennial Segment, taking launches to closure with 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. Roles & Responsibilities: - Lead Implementation of New Card solutions, propositions and profitability measures - Identify the segment needs, develop & manage product offerings for Millennial 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 Millennial Segments - Lead, guide and mentor product managers for respective products Managerial & Leadership Responsibilities: - 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 Key Success Metrics: 1.Product & Proposition Implementation as per the plan, 2. Gain a deep understanding of customer experience, identify and fill gaps 3. Act as a product evangelist understanding the segment awareness and build an awesome customer experience 4.Drive and achieve the agreed business plan and P&L metrics though sales support and interventions 5. Drive new initiatives & product development across millennial segment Experience :- 8 - 10 years with post graduate

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