Product Manager - Credit Card

Job Title: Product Manager/ Senior Product Manager - Credit Card

Location: Bangalore

Role Overview:

As a Product Manager focused on Credit Card Products, you will be responsible for the end-to-end development, enhancement, and lifecycle management of Credit Card solutions. This includes understanding user needs, working closely with engineering teams, collaborating with stakeholders, and driving the product vision to deliver a seamless Credit Card experience. You will play a pivotal role in ensuring the product's compliance with regulatory standards and driving innovation in the Credit Card ecosystem.

Key Responsibilities:

Product Strategy and Vision:

● Define the product vision and strategy for Credit Card products in alignment with the company's overall objectives.

● Stay informed about market trends, competitor analysis, and emerging technologies in the digital payments space, particularly within the Credit Card framework.

Product Development:

● Own the entire product lifecycle from ideation to launch, including product planning,development, and execution.

● Collaborate with cross-functional teams including engineering, design, operations, legal, and compliance to deliver on the product roadmap.

● Translate customer needs, market opportunities, and business objectives into a clear product vision and product requirements.

User Experience:

● Work closely with UX/UI designers to ensure the product delivers a superior customer experience.

● Regularly gather and analyze user feedback to continuously improve the Credit Card product experience.

Stakeholder Management:

● Act as the primary point of contact for all stakeholders involved in the Credit Card product, including internal teams, external partners, and regulatory bodies.

● Present product updates and strategies to senior management and key stakeholders.

Regulatory Compliance:

● Ensure that all Credit Card comply with relevant regulatory requirements (e.g., guidelines from the National Payments Corporation of India - NPCI) and industry best practices.

● Coordinate with the legal and compliance teams to ensure smooth product launches and ongoing operations.

Data-Driven Decision Making:

● Use data analytics to monitor product performance, identify issues, and uncover growth opportunities.

● Define and track key performance metrics to measure product success and optimize product features.

Innovation and Continuous Improvement:

●Identify opportunities for product innovation and enhancements that align with the evolving Credit Card ecosystem.

● Lead initiatives for integrating new features and technologies (e.g., tokenization, real-time fraud detection) into Credit Card products.

Partnerships:

● Develop and manage partnerships with banks, payment processors, and fintech companies to enhance Credit Card offerings.

● Negotiate and manage service-level agreements (SLAs) with external partners.

Qualifications:

● Bachelor's degree in Engineering, Business, Finance, or a related field. MBA or other advanced degree is a plus.

● 4+ years of experience in product management, preferably within digital payments, fintech, or banking sectors.

●In-depth knowledge of the Credit Card ecosystem and related regulatory frameworks (e.g.,NPCI guidelines).

● Proven experience in managing end-to-end product lifecycle with successful product launches.

● Strong understanding of user experience design, mobile app development, and API integration.

● Excellent analytical, problem-solving, and decision-making skills.

● Ability to work in a fast-paced, dynamic environment with cross-functional teams.

● Strong communication and presentation skills.

Preferred Skills:

● Experience in agile development methodologies.

● Familiarity with data analytics tools (e.g., Google Analytics, Mixpanel) to derive actionable insights.Hands-on experience with payment processing, transaction management, and fraud detection.

Benefits:

● Competitive salary with performance-based bonuses.

● Health and wellness benefits.

● Opportunities for professional development and continuous learning.

● Flexible working hours and remote work options.