VP - Cards Product Lead - Institutional Banking Group

DBS Bank Limited; Singapore; On-site; SGD 80,000 - 150,000; Full time

Job summary

An established industry player is looking for a dynamic Cards Product Lead to spearhead the growth of its Commercial Cards business. This role demands a strategic thinker with a deep understanding of corporate card solutions and payments ecosystems. You will have the opportunity to innovate and enhance product offerings while driving portfolio growth and improving customer experience across multiple markets. Join a forward-thinking organization where your expertise in commercial banking will make a significant impact on the company’s success and client satisfaction.

Qualifications

• 10 years of experience in commercial cards and payments.
• Deep understanding of corporate banking solutions.

Responsibilities

• Develop and execute strategies for commercial cards business.
• Collaborate with stakeholders to enhance product features.

Skills

Strategic Thinking

P&L Management

Stakeholder Engagement

Innovation

Analytical Mindset

Leadership

Communication Skills

Education

Bachelor's Degree in Business

MBA

Job description

Business Function

Corporate and Investment Banking provides corporate customers with a full range of commercial and investment banking products and services, including cash management services, current accounts, time deposits, trade finance, working capital finance, term loans, foreign exchange and advisory services such as mergers & acquisitions and equity and debt capital markets. Through our continued commitment, DBS has cultivated long-standing relationships with its customers in the region that are based on account relationship management, service differentiation, product development and rigorous credit standards.

About the Role\: We are seeking a dynamic and experienced Cards Product Lead to drive the growth and development of our Commercial Cards business within the Institutional Banking segment. The role requires a deep understanding of corporate card solutions, payments ecosystems, and commercial banking client needs. The ideal candidate will develop and execute strategies to enhance our cards proposition, drive portfolio growth, and improve customer experience across multiple markets in the region.

Key Responsibilities\:

1. Product Strategy & Development

• Implement a regional commercial cards strategy aligned with the bank’s regional commercial banking objectives.

• Develop innovative card products and payment solutions to address working capital, expense management, and cash flow optimization for corporate clients.

• Collaborate with internal and external stakeholders to enhance product features, digital capabilities, and user experience.

1. Portfolio & Revenue Growth

• Develop pricing, interchange, and rebate models to optimize revenue streams.
• Leverage partnerships with networks, and payment processors to create competitive and differentiated offerings.

1. Market & Client Engagement

• Understand market trends, competitive landscape, and regulatory changes to shape product direction.
• Conduct client workshops and engagement sessions to drive product awareness and adoption.

1. Risk & Compliance Management

• Ensure products and processes comply with regulatory and riskrequirements across markets.
• Collaborate with credit risk and operations teams to enhance underwriting, fraud prevention, and dispute management frameworks.

1. Technology & Innovation

• Work with technology teams to enhance digital capabilities.
• Champion AI, data analytics, and automationto drive insights, improve operational efficiency, and optimize customer experience.

Requirements\:

• Experience\: 10 years in commercial cards, payments, transaction banking, or related financial services roles.
• Education\: Bachelor’s degree in business, Finance, or a related field; MBA is a plus.
• Expertise\: Deep understanding of commercial card products, B2B payments, and corporate banking solutions.
• Skills\: Strong strategic thinking, P&L management, stakeholder engagement, and ability to drive innovation in a highly dynamic market.
• Regional Exposure\: Experience in managing multi-market commercial card portfolios is preferred.
• Strong leadership and influencing skills to drive product initiatives across cross-functional teams.
• Analytical mindset with the ability to leverage data for decision-making.
• Excellent communication and stakeholder management skills.