Consumer Card Product Manager

PaymentGenes Recruitment; Johannesburg; On-site; ZAR 900,000 - 1,500,000; Full time

Benefits offered by this job

12-month contract

Job summary

PaymentGenes Recruitment is partnering with a leading South African bank in Johannesburg to fill a Commercial Card Product Manager role on a 12-month fixed-term contract. The incumbent will own the Commercial Card strategy, including credit and virtual cards, to grow profitability and enhance customer experience.

The role requires a commerce degree and extensive payments experience, along with leadership of cross-functional teams, agile delivery, and proven product strategy execution.

Qualifications

• Bachelor's degree in Commerce or equivalent.
• Around 10 years' experience in credit card and card payments within banking/financial services.
• At least 3 years' management experience.

Responsibilities

• Manage the Commercial Card product lifecycle including credit cards and virtual cards.
• Build and manage high-quality product roadmaps aligned with business vision and strategy.
• Define business problems, desired customer experiences, product vision and strategy.
• Analyse customer needs, market trends and potential partnerships from a build-vs-buy and ROI perspective.
• Work cross-functionally to secure resources, define scope, set priorities and milestones, and drive onboarding and enablement.
• Manage prioritisation and trade-offs to deliver right features on time and with quality.
• Identify and drive development of priority customer value proposition enhancements and key channel requirements.
• Develop go-to-market and launch plans with Marketing; drive adoption and cross-sell across the Product suite.
• Drive penetration of card products across Commercial segments, including Large Markets and Corporates.

Education

Bachelor's Degree in Commerce

Job description

Johannesburg, South Africa | 12-Month FTC | Reporting to Head Of Commercial

I'm partnering with a leading South African bank on a Commercial Card Product Manager opportunity based in Johannesburg, on a 12-month fixed term contract.

The role will focus on delivering the Commercial Card strategy, including credit cards and virtual cards, with a strong focus on growing the profitability and performance of the Commercial portfolio while enhancing the customer experience.

Key Responsibilities:

• Manage the Commercial Card product lifecycle, including credit cards and virtual cards
• Build and manage high-quality product roadmaps aligned with business vision and strategy
• Define business problems, desired customer experiences, product vision and strategy
• Analyse customer needs, market trends and potential partnerships from a build-vs-buy and ROI perspective
• Work cross-functionally to secure resources, define scope, set priorities and milestones, and drive product onboarding and enablement
• Manage prioritisation and trade-offs to ensure the right features are delivered at the right time and quality
• Identify and drive development of priority customer value proposition enhancements and key channel requirements
• Identify gaps and pain points within existing processes and drive improvements
• Develop both tactical and strategic solutions to complex product issues
• Develop go-to-market and launch plans in collaboration with Marketing
• Work with Segment teams to drive adoption and cross-sell across the Commercial product suite
• Drive penetration of card products across Commercial segments, including Large Markets and Corporates
• Enable frontline teams with the knowledge and support required to effectively position and sell products based on customer needs
• Work with Credit to optimise credit appetite, scoring and processes to support sales growth
• Develop, launch and grow alternative sales channels, including digital and outbound
• Optimise customer lifecycle management and portfolio performance through campaigns and other initiatives

Key KPIs:

• Card issuance and spend growth
• Customer acquisition and engagement
• Customer satisfaction and experience
• Operational efficiency

Requirements:

• Bachelor's Degree or equivalent in Commerce
• Around or above 10 years' experience in credit card and card payments, with experience across banking/financial services
• At least 3 years' management experience
• Strong experience in payments/card product management
• Proven track record of developing and executing product strategy
• Strong technical pre-sales and implementation experience
• Experience owning and managing large programmes or projects
• Experience across the full product development lifecycle
• Strong cross-functional stakeholder management experience
• Excellent verbal and written communication skills

Mandatory Experience:

• Prior experience in credit card product management, financial services or credit card operations
• Experience managing the full credit card product lifecycle, from ideation and development through to launch and post-launch optimisation
• Familiarity with Agile product development and delivery
• Ability to manage multiple projects simultaneously
• Experience developing and executing marketing campaigns for credit card products
• Experience providing sales teams with the tools, training and resources required to effectively sell products