Product Manager, Managed Services

We are seeking a highly motivated and commercially driven Credit Cards Product Manager to lead the end-to-end management of the credit card portfolio, encompassing product strategy, portfolio growth,

customer lifecycle management, and marketing campaign planning and execution.

This role combines traditional product management responsibilities with hands-on ownership of acquisition, activation, usage, retention, rewards, and spend stimulation campaigns. The successful candidate will be responsible for driving portfolio growth, enhancing customer value propositions, and delivering measurable revenue and profitability outcomes through data-driven product and campaign strategies.

Main Responsibilities

• Own the end-to-end performance of the credit card portfolio and drive sustainable growth in card acquisition, activation, spend, retention, and profitability.
• Develop and refine card product value propositions, benefits, rewards, and customer experiences to ensure competitive differentiation.
• Conduct market research, competitive benchmarking, and customer analysis to identify growth opportunities and portfolio gaps.
• Build business cases and recommend portfolio enhancement initiatives based on customer insights and market trends.
• Monitor key portfolio KPIs including New-to-bank acquisitions, Card activation rates, Monthly active cards, Spend per card, Revolving balances, Retention and attrition rates, Portfolio profitability
• Lead the end-to-end design and execution of customer campaigns across acquisition, activation, spend stimulation, retention, cross-sell, and loyalty engagement.
• Develop targeted customer engagement strategies using segmentation, behavioural insights, and transaction analytics.
• Manage multi-channel campaign delivery across Digital, app, eDM, social media etc.
• Define campaign objectives, success metrics, test-and-learn frameworks, control groups, and optimization plans.
• Collaborate with internal and external stakeholders to ensure timely campaign execution and strong customer experience.
• Establish continuous improvement and experimentation frameworks through A/B testing and pilot programs.
• Collaborate closely with cross-functional teams including Marketing, Data Analytics, Risk, Compliance, Operations
• Present recommendations and performance updates to senior stakeholders.
• Ensure all product enhancements and campaigns comply with regulatory, legal, and internal governance requirements.
• Maintain adherence to brand guidelines and customer communication standards.

Qualifications & Experience

• Bachelor's degree in Business, Finance, Marketing, Economics, or related discipline.
• 5–8 years of experience in Credit card product management; Portfolio management; Campaign management in Retail banking
• Experience managing affluent, premium, or mass affluent card portfolios, as well as managing merchant-funded offers, rewards programs, and partnerships.
• Strong understanding of Credit card economics, Rewards and loyalty programs, Customer lifecycle management and Portfolio growth strategies
• Proven track record of delivering portfolio growth and successful customer engagement campaigns.
• Experience using analytics to drive product and marketing decisions.
• Familiarity with CRM and marketing automation platforms.