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IDFC FIRST Bank

Product Manager-Credit Cards

IDFC FIRST Bank Mumbai, Maharashtra, India

Banking · 10,001+ employees

Sep 11
product-manager Mid (2-5 yrs) Full-time India
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About the role

The Product Manager will own the end-to-end lifecycle of credit card products, including risk, policy, acquisition, and financial performance. They are responsible for driving sales funnel efficiency, managing customer service metrics, and developing go-to-market strategies to enhance customer value.

What they look for

Product Management Credit Cards Risk Management Policy Management Sales Funnel Optimization Underwriting Customer Lifecycle Management P&L Management Go-to-market Strategy Data Analytics Customer Value Proposition Partner Management Financial Analysis Customer Service Metrics Product Planning

Requirements

Candidates must hold a full-time bachelor's degree in a relevant field such as Engineering, Math, Commerce, or Business. A minimum of 2 to 5 years of relevant experience in product management or retail banking is required.

Full 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

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