IDFC FIRST Bank—Product Manager-Credit Cards

Job description

Description: 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 Skills: product management, credit card product management, risk management, underwriting processes, sales funnel management, portfolio management, p&l management, product performance tracking, innovation management, market research, market trend, user experience design, data analysis, business intelligence, channel management, personal branding, competitive analysis, digital marketing, product lifecycle management, problem solving, asset management, learning agility, credit risk analysis, retail banking, compliance audits, customer acquisition, developing people, financial modeling, risk mindset, communication & influence