Head - Product & Portfolio Management - Credit Cards

Role & Responsibilities:

Head - Product & Portfolio Management will lead the product proposition. The role will be responsible for creating a product proposition, contribute in business plan and go to market strategy and roll-out of the product. As the head of product, the role will be responsible for growth, profitability, retention and asset quality of the Credit Card product.

Key highlights of the role are listed below (purely indicative and not limiting):

- As a part of the leadership team, contribute to the development of the business strategy and ensure alignment of the organization to the same.

- Develop and motivate the staff in obtaining the right skills and capabilities required to meet the business objectives.

- Develop a talent pipeline of high potential employees and hiring and developing the talent pool and ensure the retention of talent needed of achieve the business objectives.

- As a part of the Leadership team, participate in the key decision-making processes such as Business strategy, product offering, risk and financial planning and ensure achievement of the Business KPIs.

- Will be responsible for setting up guidelines and policies to ensure the business is in line with the BOBCARD overall objectives.

- Managing and coordinating with all stakeholders including Sales, Marketing, Operations, Customer Service, Finance, IT, Risk and Collections.

- Set up and lead sub-functions like market segmentation, portfolio management and product development within the team.

- Own the product roadmap for team, and should be responsible for setting priorities, backed up by data and customer feedback

- Work with the technology team in ensuring the availability of technology and capability to support the expansion in Credit Card portfolio and features offered in a rapidly evolving business environment.

- Work with Marketing team in designing and driving advertising and promotional campaigns focused towards increasing visibility of product and enhancing the Credit Card portfolio.

- Managing relationships with card schemes viz. Visa, Mastercard and NPCI.

Job specific skills:

Applicants should possess the following attributes:

- Strong knowledge of the cards industry, products, risks and regulatory requirements.

- Strong Analytical and problem-solving skills with decision making ability.

- Strong understanding in the issuing of credit card products and the related risk, operations and controls

- Hands on experience in Credit card Product development and management

- A strong understanding of dependencies and linkages with marketing, compliance, operations, technology and sales.

- Awareness of industry best practices, prevalent and emerging trends in the market and ability to inculcate industry best practices into the organization

Educational Qualifications - Post-Graduate / Professional Qualification (Preferably)

Experience:

- 14+ years of experience in the credit card business (preferably) with a reputed bank or large corporates / NBFC / Credit Card Industry / Financial services organization.

- Currently should be at senior level.

Maximum Age on the last date of application - 55 Years.