Product Manager - Debit Card and Payment
DBS Bank
India-Maharashtra-Mumbai
2d ago

Product Manager - Debit Card and Payment-(WD23197)

As the leading bank in Asia, DBS Consumer Banking Group is in a unique position to help our customers realise their dreams and ambitions.

As a market leader in the consumer banking business, DBS has a full spectrum of products and services, including deposits, investments, insurance, mortgages, credit cards and personal loans, to help our customers realise their dreams and aspirations at every life stage.

Our financial solutions are not only the best in the business they were made just right for you.

Job Purpose

  • To drive product penetration and activation across various customer segments such as Mass Market, Emerging Affluent, Affluent, HNW
  • Develop new product proposition to drive customer engagement
  • Adherence to RBI regulation and payment provider guidelines
  • Managing internal and external stakeholders
  • The position ensures : Complete and overarching view and ownership of the various payment and debit card products for all segments on both digital and physical channels

    Key Accountabilities :

    Accomplish all responsibilities in relation to :

  • Maintain and build end to end proposition for the Niche segments
  • Selectively broaden product offerings for these segments to maximize our share among customers
  • Continuously engage with internal and external partners to upgrade and innovate products to provide value-added benefits to the customers
  • Market Overview on Competition Offerings and digital capabilities
  • Customer Journey Designs
  • Adherence with Ops, control groups, technology
  • Ensure customer engagement for new and existing products
  • Act as Business Liaison with external stakeholders including RBI, IBA, UIDAI, NPCI, Payment providers
  • Job Duties & responsibilities :

  • Engage and build cross sell opportunities of existing products both on the digital banking and branch banking base.
  • Design customer journey for existing and new payment product
  • Developing and updating procedures, policies, controls and monitoring plans for payment business
  • Assist in the definition of project scope and objectives, involving all relevant stakeholders and ensuring technical feasibility
  • Business SPOC for Internal & External Audits and ensuring minimum satisfactory ratings
  • Compare digital payment strategies of other banks and keep enhancing our platform
  • Campaign management : Ideate, create and run campaigns for driving usage
  • Define business requirement and work with technology teams to launch offerings via liaison with Internal & External partners
  • Manage the P&L responsibility
  • Conduct market analysis, feasibility studies and trend analysis to keep abreast of industry development and identify opportunities;
  • and submit new product proposals

  • Define and maintain product strategy, product revenue, market adoption, and Portfolio Management and penetration goals.
  • Work with Marketing to develop and implement customer contact strategies and marketing tools to support acquisition, retention and cross sale activities .
  • Monitor industry, market, competitor and regulatory trends to ensure that opportunities and risk are identified and appropriate plans are implemented

    Required Experience :

  • 5-7 Years + experience in Retail / Digital Banking
  • 2 Years + Experienced in Product development, management and life cycle.
  • Experience in Human Centric Design and Customer Journeys
  • Proficiency in MS Excel / Power point
  • Education / Preferred Qualifications :

  • MBA from a reputed institute preferre
  • Minimum requirement : Graduate degree
  • Core Competencies;
  • Stakeholder Management
  • Communications Skills
  • Drive for result.
  • Ability to work in an environment of changing requirements
  • Technical Competencies :

  • Relevant experience in Banking products such as Debit Card, Payments
  • Market and Competitive knowledge
  • Working knowledge of mobile apps
  • Work Relationship :

  • Will be working across verticals LCS, GSMC, T&O and Customer service.
  • Will be reporting into the Liabilities Product Head

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