Director of Product - Cards

Job description

**Grow with the challenge** At the time of inception, cloud-based systems and API fluency were new. But that didn't scare us. We waved goodbye to legacy systems and embraced modern technology – where our true innovation began and didn't stop. No hierarchy, no egos. Just a spirit of collaboration that flows right throughout our organisation – it’s woven into our DNA. We genuinely want to know about each other’s learnings and expertise, especially where it can help us achieve bigger things. At ClearBank, we make things happen. We solve problems together because we know that many heads are always better than one. Valuing different perspectives is what sets our culture apart. And being able to disagree and commit is key to our progress. Above all we’re a team because when we win together, it feels so much better than doing it alone. **What you can expect:** ClearBank is a place where you can do things differently and challenge the status quo. We will give you a high level of autonomy and transparency, and we trust you to make the right decisions for the bank. If that excites you, how about joining our Product Team as our Director of Product - Cards? Reporting to our Chief Product Officer, you will own and drive the strategic vision, roadmap, and execution for our cards product offering. From supporting the integration into our partners to delivering a leading product to our customers – this role will be the focal point for delivering our cards strategy. Your role includes: - Own the Cards Product Strategy: Define and execute the long-term vision for cards at ClearBank. - Commercial Focus: Build and manage the Cards P&L for revenue optimization – working with other Product Leads to deliver best-in-class propositions. - Lead a cards team that interacts with all operational functions within the bank to provide a coordinated and robust operating model. - End-to-End Delivery Ownership: Lead the full product lifecycle from ideation to enhancement. - Support our Scheme Management Team: Manage scheme compliance, billing manuals, interchange, and mandates. - Authorisation & Transaction Flows: Oversee customer journey for authentication and transaction authorisation. - Provide input and support to Commercial teams in dialogue with customers to ensure we accurately reflect our cards capability **What you’ll bring:** To excel in this role, you’ll also need: - Deep understanding of Card Issuance (including Debit Issuance), with a minimum of 7 years’ experience - Knowledge of the Card Scheme frameworks and operational models (Visa preferred) - Experience working with Card Processing partners - Strong commercial acumen, experience of owning a Product P&L, ability to devise appropriate pricing models and understand cost drivers - Proven Product Leadership skills – a minimum of 5 years as a Senior Product Manager - Exceptional stakeholder management skills – able to interact with colleagues across the organisation - Demonstrable understanding of Operational requirements to support card issuance – including Fraud / Risk Management, Customer Servicing, PCI Compliance and Reconciliation - A drive to enhance ClearBank’s position as a leading provider of Embedded Banking and Clearing solutions by seamlessly integrating cards to create broader customer-centric propositions **What makes a great ClearBank team member? Does this sound like you?** - You focus on solutions and positive outcomes, thinking radically and responsibly to find the best result for our customers, your colleagues and the bank; - You actively seek feedback from others to drive your growth and development, always assuming positive intent from others and develop strong, trusting relationships you’re your colleagues and customers: you really, genuinely care; - You always strive for the highest quality, but you know that done is better than perfect; you welcome a challenge knowing that they learn as you go and iterate; - ‘I’ before ’we’, isn’t in your vocabulary If this sounds like you then we encourage you to dust off that CV and apply! **Role Level: 6** **A little bit more about us!** **ClearBank is Where You Can belong:** At ClearBank we think about Diversity, Equity and Inclusion (DE&I) a lot. Not because we think we should. But because we know we should – how else can we build a happy workforce and be successful as a business. We’re committed to making sure our teams reflect society. And we put energy and effort into making this a place where everyone feels at home, where they’re given the trust and encouragement to do their very best work. Here are some of the things we’re most proud of: - 42% of our senior management roles are held by women - Our enhanced family leave policies - Launching our partnership with Code First Girls - Increasing awareness of neurodiversity in the workplace through our partnership with the Inclusive Group **Our hiring process and what you can expect:** **Application:** a member of our talent acquisition team will review your application against the key requirements for the role and let you know within two weeks whether you’re moving forward to the next stage; **Screening:** You’ll spend 30-45 minutes speaking to one of our recruiters learning more about the role and ClearBank, and we’ll get it know more about you, your experience and how your skills align with the role (this will be via phone or Teams video call). You can expect to hear back from us within seven days following this meeting (if things are taking longer than expected, we’ll let you know that too); **First Interview:** You’ll spend one hour with a member of our hiring team focusing on your skills, competencies and your ways of working at the same time we’ll give you time to ask more questions about the role, the team and learn more about the ClearBank culture. This will be via Teams. **Second Interview:** This will be a competency-based interview with one or more members of our team. **Final Stage:** You will have a final meeting with the Head of Department. This will be around 45-60 minutes. **Offer:** Congratulations! Get ready to transform banking forever! **Our commitment to you as a candidate:** We will always try our best to get back to you within seven days of your interview whether you’ve been successful or not and provide you with feedback. Sometimes things take a little longer, so we may not have a decision to share but we will get it touch to let you know we need a little more time. We’re unable to provide specific individual feedback at the application or screening stage but know that your application was reviewed and considered carefully. We wish you the best of luck with your application and maybe we’ll be celebrating your new role at ClearBank soon! **Equal Opportunities** ClearBank is committed to ensuring equal opportunities throughout every stage of the recruitment process. ClearBank recognises that diversity is vital to the long-term success of the business in the communities and markets in which it operates. ClearBank is also a firm believer that an inclusive culture fosters greater employee engagement and collaboration. ClearBank strives for diversity and inclusion of all forms, including (but not limited to): gender, age, educational and professional background, disability, gender reassignment, marital or civil partner status, pregnancy or maternity, race, colour, nationality, ethnic or national origin, religion or belief and sexual orientation. As part of the Company’s commitment to equal employment opportunity, we provide reasonable adjustments, to candidates during the recruitment process, including to individuals with disabilities. We want to create a safe space that welcomes everyone so please let us know how we can accommodate you. In case you have any accessibility requirements you can share that with our Talent Acquisition team prior to your interview stage, if applicable. **The legal bit** By submitting your CV to ClearBank Limited you are providing your consent for us to use the information you provide for recruitment purposes. For more information on how we manage your data go and check out our Candidate Privacy Notice on the ClearBank website to see how we process, manage and look after your data. You are also allowing us to communicate with you by email and telephone for recruitment purposes.