Cards Marketing - Credit Card Portfolio PM

Job Summary
This role is responsible for managing and developing key areas of the credit card portfolio. The Product Manager will help shape credit card propositions, portfolio strategies, cardholder payment and repayment journeys, and portfolio economics, including revolving interest, late fees, pricing, costs, and other key value drivers. The role will identify opportunities, develop business solutions, and work with cross-functional partners to deliver sustainable outcomes for credit card customers and the business, while maintaining appropriate risk and control standards.

Key Responsibilities

• Manage and enhance selected areas of the credit card portfolio, with scope that may include card policies, pricing and profitability, revolving behavior, payment and repayment journeys, servicing, and other credit card business priorities.
• Develop and enhance credit card payment and repayment journeys across relevant channels, including payment method design, customer-facing bill-payment flows, channel migration, customer communications, and initiatives to improve convenience, adoption, reliability, and cost efficiency.
• Manage and develop credit card payment channels and options, which may include automatic account debit, bank transfer, digital and physical payment channels, and other approved methods, based on customer needs, business priorities, operational feasibility, and cost considerations.
• Translate credit card business needs into clear requirements and work with relevant partners to shape solutions, implementation plans, and appropriate validation approaches.
• Lead cross-functional credit card initiatives from problem definition and stakeholder alignment through implementation and post-launch review.
• Monitor credit card portfolio performance and economics, including cardholder repayment behavior, revolving balances and interest income, late payments and fees, payment-channel usage and costs, and other relevant value drivers; recommend actions to improve customer and business outcomes.
• Support governance, regulatory, audit, risk, and internal control requirements, including issue remediation and appropriate documentation.
• Build effective working relationships across business and support functions, challenge constructively, and drive agreed outcomes with clear ownership.