Product Manager - Credit Card

PERSOL Workforce Solutions Malaysia Sdn Bhd; Kuala Lumpur; On-site; MYR 167,000 - 246,000; Full time

Job summary

PERSOL Workforce Solutions Malaysia Sdn Bhd seeks a Manager, Credit Card Product & Portfolio in Kuala Lumpur on a 12-month contract. Salary RM15,000–RM22,000 per month based on qualifications and experience.

You will drive end-to-end portfolio performance, develop rewards programs, and lead cross-functional campaigns. Collaborate with Marketing, Analytics, Risk, Compliance, and Operations to optimize growth.

Qualifications

• Bachelor's degree in Business, Finance, Marketing, Economics or related disciplines.
• 5–8 years in Credit Card Product Management.
• 5–8 years in Customer Lifecycle Management.
• 5–8 years in Campaign Management.
• 5–8 years in Retail Banking.
• Strong knowledge of Credit Card Economics and Rewards/Loyalty.

Responsibilities

• Drive end-to-end performance of the credit card portfolio across acquisition, activation, spend, and retention.
• Develop compelling product propositions, rewards programs, and portfolio enhancements.
• Conduct market research, benchmarking, and customer analysis to identify growth opportunities.
• Lead customer acquisition, activation, spend stimulation, loyalty, and retention campaigns.
• Manage multi-channel campaigns across digital, apps, eDM, social media, and touchpoints.
• Ensure regulatory and governance compliance in all product initiatives.

Skills

Credit Card Product Management

Campaign Management

Customer Lifecycle Management

Retail Banking

Education

Bachelor's Degree in Business/Finance/Marketing/Economics

Tools

CRM Platforms

Marketing Automation

Job description

Position: Manager, Credit Card Product & Portfolio
Location: Kuala Lumpur
Industry: Financial Services
Employment Type: 12 months contract with PERSOL
Salary: RM15,000 – RM22,000 (based on qualifications & experience)

What You'll Be Responsible For

Drive end-to-end performance of the credit card portfolio across acquisition, activation, spend, retention, and profitability.

Develop compelling product propositions, rewards programs, customer benefits, and portfolio enhancement initiatives.

Conduct market research, competitive benchmarking, and customer analysis to identify growth opportunities.

Build business cases and strategic recommendations based on customer insights and industry trends.

Lead customer acquisition, activation, spend stimulation, loyalty, and retention campaigns.

Develop targeted engagement strategies using customer segmentation, transaction analytics, and behavioural insights.

Manage multi-channel campaign execution across digital platforms, mobile applications, eDM, social media, and customer touchpoints.

Implement A/B testing, pilot programs, and data-driven optimisation frameworks to maximise campaign performance.

Monitor and improve key portfolio metrics including:

New-to-Bank Acquisition

Card Activation Rates

Monthly Active Cards

Spend per Card

Revolving Balances

Retention & Attrition Rates

Stakeholder Management

Collaborate closely with Marketing, Analytics, Risk, Compliance, Operations, and external partners.

Present business recommendations and performance insights to senior stakeholders.

Ensure product enhancements and campaigns comply with regulatory and governance requirements.

What We're Looking For

• Bachelor's Degree in Business, Finance, Marketing, Economics, or related disciplines.
• 5-8 years of experience in Credit Card Product Management
• 5-8 years of experience in Customer Lifecycle Management
• 5-8 years of experience in Campaign Management
• 5-8 years of experience in Retail Banking
• Strong knowledge of Credit Card Economics
• Strong knowledge of Rewards & Loyalty Programmes
• Proven track record in delivering portfolio growth and successful customer campaigns.
• Experience leveraging analytics and customer insights to drive business decisions.
• Familiarity with CRM and Marketing Automation platforms.
• Candidates from leading consulting firms (MBB, Big 4, or equivalent) are highly encouraged to apply, particularly those with exposure to Financial Services, Cards, Payments, Retail Banking, Loyalty Programmes, Customer Strategy, or Digital Banking projects.

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