Marketing jobs in South Africa

Job title : Product Owner – Consumer Card

Job Location : Gauteng, Johannesburg Deadline : July 04, 2025 Quick Recommended Links

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PRIMARY PURPOSE

• This role is responsible for driving the development, maintenance and enhancement of consumer card products, including credit, debit, and World Currency Cards.
• This role ensures the alignment of product strategies with customer needs and business objectives, overseeing the entire product lifecycle from ideation through to launch and optimization.
• The Product Owner works closely with cross-functional teams, including marketing, technology, operations, and compliance, to deliver innovative solutions that enhance customer experience, increase market share, and drive revenue growth.

TECHNICAL COMPETENCY REQUIREMENT

• Understanding of consumer credit / debit card, prepaid card products and prepaid travel cards (e.g., World Currency Card, Forex and Remittance solutions)
• Familiarity with card network rules (e.g. Visa, Mastercard)
• Understanding of EMV, tokenization, and digital wallets (e.g. Apple Pay, Google Pay)
• Understanding of management accounts and finance principles (including revenue, costs, volumes and other drivers).
• Understanding of financial regulations relevant to card products (e.g., KYC, AML, PCI DSS)
• Risk assessment and governance procedures
• Working knowledge of card processing systems, APIs, and payment platforms
• Ability to conduct market and competitor analysis and using insights to drive product innovation and differentiation
• Understanding of key business drivers (revenue and cost drivers).
• Good business acumen with the ability to anticipate problems and identify possible preventative measures.
• Relationship Building and Stakeholder management
• Excellent written and verbal communication skills.
• Ability to work under pressure
• Understanding of loyalty offerings and impact on costs and profitability.

REQUIRED MINIMUM EDUCATION AND TRAINING

• National Diploma in Business Management or equivalent

REQUIRED MINIMUM WORK EXPERIENCE

• 3-5 years’ work experience in similar role (Card Issuing or Forex)

FINANCIAL MANAGEMENT

• Assist with managing the income statement and drive economic profit by ensuring that the Personal Card Products and the WCC product are profitable and meets customer needs.
• Provide input to the Product manager and Finance Teams to produce budgets and forecasts.
• Provide input in determining product pricing by utilizing market research data; reviewing production and sales costs; anticipating volume; costing special and customized orders.
• Understand business requirements and put together plans in terms of growing the business. (short-term and medium term)
• Executing, tracking, and leveraging revenue and cost items.
• Ensure financial objectives for are met by partnering with Finance and Product Leadership in preparing an annual budget; analysing overall variances; and direct corrective actions within the team.
• Analyse reasons for variances and which levers to pull to ensure that budget is achieved.
• Provide input into the budget process and the sales targets.
• Continuously review performance of the consumer card product against scorecards, targets, and processes to address any gaps.

CUSTOMER CENTRICITY

• Ensure consumer card products meet Payments Industry requirements and addresses the customer needs.
• Put customer at the centre of daily work.
• Provide support to front-line sales with product knowledge, customer queries and pricing.
• Assist and support business partners with escalated queries relating to any ongoing analysis, development, and operations.
• Analyse customer requirements and address product-related queries and complaints
• Engage with internal stakeholders e.g., Data Analytics, FCU, Operations etc., to assist in the performance of the business and to deliver the required products and services.

OPERTIONAL EXCELLENCE

• Ensuring competitive analysis on comparable products which other competitors offer.
• Translate product strategy into detailed requirements and prototypes.
• Assisting with input into established processes, e.g. New Product Approval; Project Management; Business Analyst engagement; Business Requirement specifications; Test plans; Change Management
• Collaborate with sales staff to develop product sales strategies.
• Collaborate with marketing staff to deliver integrated marketing plans.
• Evaluate the company products and compare them against industry trends
• Scope and prioritize activities based on business and customer impact.
• Implementation of a new product / idea in accordance with the analysis.
• Develop and test new product enhancements based on an approved Business Case
• Systems downtime management : proactive management of Grow, BBA and WCC, setting up critsit meetings with vendors and key Operations staff, ensuring proper communication with internal stakeholders and external stakeholders and customers.
• Agile product ownership (e.g. providing input on the writing of user stories, managing backlogs etc.)
• Support internal stakeholders and sphere of influence to enable speedy and smooth onboarding of customers.
• Support internal stakeholders and sphere of influence to enable development and deployment of competitive products to the market
• Collaboration with IT and vendors on technical specifications and system integrations
• Assisting with input into established processes, e.g. New Product Approval; Project Management; Business Analyst engagement; Business Requirement specifications; Test plans; Change Management

DATA MANAGEMENT

• Work closely with Product Managers and Data team to ensure their data and reporting requirements are met to achieve objective of :
• Providing Customer Insights,
• Product Insights and
• Optimise product and identify opportunities through data led findings.
• Compile key business metrics and report on them to management.
• Create additional analyses and reports as requested by management.

STAKEHOLDER MANAGEMENT

• Ensure Card Scheme compliance.
• Ensure SARB and PASA industry compliance.
• Promote close relationship within Product team and stakeholders
• Provide support to front-line sales with product knowledge and customer.
• Briefing and driving the relevant departments, e.g. Marketing, Sales Campaigns, Training and Call Centre to ensure that all functions achieve the required objectives
• Assist on a need basis in resolving customer queries across the product suites.
• Develop and maintain good relationships with internal stakeholders to ensure success of projects and to deliver the required products and services.
• Respond in a timely manner to requests and enquiries for product information or changes.
• Collaborate with internal and external stakeholders

LEARNING AND GROWTH

• Take ownership for driving own career development.
• Prepare and obtain sign off on your Personal Development Plan
• Achieve the objectives / milestones set out in the development plan.
• Review performance on a regular basis (monthly, quarterly, and annually)