Managing Director – OCBC Credit and Debit Products

Role overview

We are seeking a strategic and seasoned Product Head at OCBC who will be responsible for overseeing Credit and Debit products. This role is critical in designing best in class customer propositions for our mass, emerging affluent and affluent segments, driving digitalization, product and loyalty innovation, and delivering strong portfolio growth. The Product Head is also responsible for managing the business and profitability drivers across the Credit and Debit products and programs. This will be a leadership role, leading a team of product managers and team leads, working together to grow the credit cards base, drive engagement throughout the customer lifecycle and to manage product profitability. This role will report to the Head of Cards and Unsecured Lending directly.

• Lead in the end-to-end management, development and delivery of product – credit and debit cards portfolios with clear ownership of product strategy, digital customer journey, products’ loyalty programs and the products’ portfolio performance
• Drive full P&L accountability, with a sharp focus on revenue growth, cost management, risk optimization, and long-term profitability for the products and programs
• Identify, design, and launch/ refresh compelling product propositions and lifestyle benefits that resonate with target segments in our products
• Identify, design, and launch best in class loyalty platform and programs
• Enhance the cardmember service experience by actively identifying pain points, championing customer feedback, and driving service improvement initiatives
• Embrace digital solutions and innovation to streamline onboarding, deepen customer engagement, and to improve product delivery and servicing
• Collaborate across internal teams (e.g., digital, marketing, analytics, risk and compliance, technology, operations) and external partners (e.g., merchants, schemes, service providers) to ensure timely and effective program or project delivery
• Navigate complex stakeholder environment with professionalism and influence, including senior-level interactions across functions
• Monitor market and competitive trends to identify gaps and opportunities with agility and creativity
• Support and drive industry compliance projects to ensure OCBC meets industry standards and develop best-in class customer experiences
• Lead a team of product managers to work towards achieving collective goals, and also to coach and mentor them

• Bachelor’s degree in Finance, Business Administration and Management, or a related field.
• Proven track record in cards product and portfolio management roles with at least 15 years of experience.
• Strong understanding of the cards and unsecured lending landscape and its regulatory environment
• Excellent analytical and problem-solving skills
• Strong communication and presentation skills, and ability to negotiate and influence
• Ability to work independently and collaboratively with all key stakeholders across seniorities (external or internal)
• Providing direction, guidance to team and invest in talent development
• Passionate about customer experience with a demonstrated ability to drive service improvements and customer satisfaction metrics
• Digitally savvy with a strong appreciation for technology, innovation and digital product enablement and hands on approach towards design, testing and implementation
• Resilient, detail-oriented, and comfortable working in fast-paced, high-pressure environments
• Positive risk and control mindset

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