AVP, Cards Product Manager

Job description

WHO WE ARE: As Singapore’s longest established bank, we have been dedicated to enabling individuals and businesses to achieve their aspirations since 1932. How? By taking the time to truly understand people. From there, we provide support, services, solutions, and career paths that meet their individual needs and desires. Today, we’re on a journey of transformation. Leveraging technology and creativity to become a future-ready learning organisation. But for all that change, our strategic ambition is consistently clear and bold, which is to be Asia’s leading financial services partner for a sustainable future. We invite you to build the bank of the future. Innovate the way we deliver financial services. Work in friendly, supportive teams. Build lasting value in your community. Help people grow their assets, business, and investments. Take your learning as far as you can. Or simply enjoy a vibrant, future-ready career. Your Opportunity Starts Here. TGLFE Product Management Why Join As a Cards Product Manager in OCBC Cards Payments and Personal Loan , you will manage selected portfolio of consumer, business and corporate card products, with responsibility for shaping propositions, driving portfolio performance and improving customer outcomes. The role will work cross-functionally to deliver relevant product capabilities, enhance customer journeys and support the Bank’s broader cards strategy. How you succeed To succeed in this role, you'll need to develop a deep understanding of our customers' needs and preferences. You'll work closely with cross-functional teams to design and launch new products, and continuously monitor and improve existing ones. You'll need to balance business goals with customer needs, and make data-driven decisions to drive growth and revenue. What you do Develop and execute product plans for assigned consumer, business and corporate card products, including proposition development, feature enhancements and lifecycle initiatives. Manage key P&L levers for the assigned products, including revenue growth, cost discipline, pricing, risk-to-reward optimisation and business KPI delivery. Improve customers’ end-to-end experience across acquisition, onboarding, activation, usage, servicing, retention and renewal journeys. Partner with Business and Corporate Banking colleagues to identify client needs, shape relevant card propositions and deliver payment solutions for companies and their employees. Collaborate closely with Digital Banking, Marketing, Operations, Compliance, Risk, Data and Finance teams to deliver product campaigns, enhancements and new capabilities. Coordinate end-to-end delivery of product initiatives, including business requirements, approvals, implementation plans, risk management and post-launch tracking. Use market trends, customer insights, competitor activity and portfolio analytics to identify opportunities for product refreshes, usage growth and customer engagement. Who you are Bachelor’s degree in Business, Finance, Information Systems or a related discipline. Minimum 6–8 years of experience in credit cards, payments, business and corporate cards, portfolio management or financial services product roles, preferably within a bank or payments-led organisation. Strong understanding of credit card products, business and corporate card solutions, portfolio economics, customer lifecycle management, card schemes and digital payment capabilities. Proven ability to manage P&L levers, define business requirements, translate customer needs into product and journey improvements, and drive outcomes through cross-functional teams. Strong stakeholder management and influencing skills, with the ability to partner senior stakeholders across Consumer Banking, Business and Corporate Banking, Risk, Compliance, Technology, Operations and external partners. Customer-centric mindset with experience improving acquisition, onboarding, servicing, usage and retention journeys across physical and digital channels. Sound risk and control mindset, with awareness of regulatory and operational considerations. Who we are As Singapore's longest established bank, we have been dedicated to enabling individuals and businesses to achieve their aspirations since 1932. How? By taking the time to truly understand people. From there, we provide support, services, solutions, and career paths that meet their individual needs and desires. Today, we're on a journey of transformation. Leveraging technology and creativity to become a future-ready learning organisation. But for all that change, our strategic ambition is consistently clear and bold, which is to be Asia's leading financial services partner for a sustainable future. We invite you to build the bank of the future. Innovate the way we deliver financial services. Work in friendly, supportive teams. Build lasting value in your community. Help people grow their assets, business, and investments. Take your learning as far as you can. Or simply enjoy a vibrant, future-ready career. Your Opportunity Starts Here. What we offer Competitive base salary. A suite of holistic, flexible benefits to suit every lifestyle. Community initiatives. Industry-leading learning and professional development opportunities. Equal opportunity. Fair employment. Selection based on ability and fit with our culture and values. Your wellbeing, growth and aspirations are every bit as cared for as the needs of our customers. What we offer: Competitive base salary. A suite of holistic, flexible benefits to suit every lifestyle. Community initiatives. Industry-leading learning and professional development opportunities. Your wellbeing, growth and aspirations are every bit as cared for as the needs of our customers.