We are looking for an experienced Cards Product Management Specialist with at least 10 years of experience in cards product development, portfolio management, and commercialization. The role will be responsible for the strategic development, launch, and lifecycle management of card products, with a strong focus on profitability, customer value, portfolio performance, and regulatory compliance.
Key Responsibilities
- Lead the design, development, and rollout of innovative card products based on market and customer needs.
- Define product value propositions (CVPs), pricing strategies, and commercial propositions.
- Manage the end-to-end product lifecycle, from concept and launch through ongoing optimization.
- Support strategies focused on card revenue growth, profitability, acquisition, and customer engagement.
- Develop and implement product commercialization strategies, including sales tools, training, and product positioning.
- Monitor card portfolio performance, including spend, revenue, profitability, credit costs, and key product metrics.
- Recommend promotional campaigns and tactical initiatives to increase card acquisition, activation, usage, and spend.
- Work closely with Marketing, Sales, Operations, Technology, Risk, Compliance, and other stakeholders to ensure successful product delivery.
- Manage product-related audit, compliance, regulatory, and customer complaint matters.
- Support sales and client-facing teams with product knowledge, training, and solutions for complex customer requirements.
- Monitor product performance following launch and identify opportunities for continuous improvement.
- Support the delivery of major card programs and initiatives from planning through implementation and benefit realization.
- Identify and manage risks, issues, dependencies, timelines, and delivery requirements across projects.
- Manage relationships with card processing partners, vendors, switches, and other technology providers.
- Support the integration of card products with processing platforms and related systems.
- Provide support in resolving operational and technical issues related to card applications and products.
- Ensure regulatory changes are effectively implemented across relevant card products and processes.
- Identify opportunities for new products, solutions, and business growth.
Skills and Requirements
- With minimum of 10 years of relevant experience in Cards Product Management, Product Development, or Portfolio Management.
- Proven experience in card product launches and end-to-end product lifecycle management.
- Strong experience in CVP development, pricing, and commercialization.
- Strong understanding of Debit, Credit, and Prepaid card products.
- Good knowledge of card profitability and key portfolio metrics, including revenue, spend, ENR, acquisition, credit costs, and customer usage.
- Strong understanding of card processing systems, payment infrastructure, and related technologies.
- Knowledge of relevant regulatory and compliance requirements within the cards and payments industry.
- Proven experience working across multiple business and functional stakeholders.
- Strong project/program delivery and stakeholder management experience.
- Bachelor’s or Master’s degree in Business, Finance, Marketing, or a related discipline.
- Strong understanding of cards and payments.
- Excellent analytical and problem-solving skills.
- Strong communication and stakeholder management capabilities.
- Ability to work effectively with senior stakeholders and cross-functional teams.
- Strong commercial mindset with a focus on revenue growth, profitability, and customer value.
