AVP to Associate, Mass Card, Product Management, Cards & Unsecured Loans

Job description

Product Management: 1.Develop and execute the strategic roadmap for the mass product bank card portfolio, focusing on maximizing market penetration and broaden customer appeal. 2.Oversee the overall mass product bank card portfolio performance, proactively identifying and mitigating risks, and implementing strategies to optimize profitability and customer lifetime value across a broad customer base. 3.Lead the end-to-end product development lifecycle for mass product/bank card products, from ideation and design to launch and ongoing maintenance. This includes defining product specifications, managing cross-functional teams (Marketing, Technology, Legal, Compliance, Risk), and ensuring timely and efficient delivery within budget for a large-scale product. 4.Leverage market research and customer insights to ensure mass product/ bank card offerings are aligned with evolving customer needs, market trends, and competitive landscapes. Continuously monitor and analyze product performance, identifying opportunities for enhancement and innovation for the mass market. <5.Drive> the product value proposition by clearly articulating and communicating the unique benefits and competitive advantages of the mass product bank card portfolio to target customers and internal stakeholders. 1. Identify and drive internal cross-buy opportunities by collaborating with other banking product teams (e.g., Wealth Management, Deposits, Loans) to create integrated offerings and campaigns that leverage the bank card portfolio to increase customer engagement and deepen customer relationships across the bank. Stakeholder Management & Communication: <1.Build> and maintain strong, collaborative relationships with key stakeholders, including internal teams (e.g., Sales, Marketing, Operations, Technology, Wealth Management, Other Banking Products) and senior management. 2.Effectively communicate program performance, strategic initiatives, and risk assessments to senior management through compelling presentations and reports. 3.Proactively manage expectations and resolve conflicts to ensure effective collaboration and project delivery. Performance Measurement & Reporting: 1.Define, track, and analyze key performance indicators (KPIs) to monitor the success of mass product bank card initiatives and product performance (e.g., activation rates, spend, portfolio health, profitability, customer satisfaction across the mass market). 2.Prepare comprehensive performance reports and present insights to senior management, providing data-driven recommendations for optimization and strategic adjustments for the mass product portfolio. -en Location: Honhui A-13F Job: Product Management Schedule: Regular Employee Status: Full time