Managing Director – Credit and Debit Products

As Singapore's longest established bank, we have been dedicated to enabling individuals and businesses to achieve their aspirations since 1932. How? By taking the time to truly understand people. From there, we provide support, services, solutions, and career paths that meet their individual needs and desires.

 Today, we're on a journey of transformation. Leveraging technology and creativity to become a future-ready learning organisation. But for all that change, our strategic ambition is consistently clear and bold, which is to be Asia's leading financial services partner for a sustainable future.

 We invite you to build the bank of the future. Innovate the way we deliver financial services. Work in friendly, supportive teams. Build lasting value in your community. Help people grow their assets, business, and investments. Take your learning as far as you can. Or simply enjoy a vibrant, future-ready career.

Your Opportunity Starts Here.

This is the broad job description of the job profile. Definitive job description should be reviewed and discussed between you and your manager.

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.

Key Responsibilities

• To 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

Qualifications & Skill sets

• 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

Who we are
As Singapore's longest established bank, we have been dedicated to enabling individuals and businesses to achieve their aspirations since 1932. How? By taking the time to truly understand people. From there, we provide support, services, solutions, and career paths that meet their individual needs and desires.

Today, we're on a journey of transformation. Leveraging technology and creativity to become a future-ready learning organization.
But for all that change, our strategic ambition is consistently clear and bold, which is to be Asia's leading financial services partner for a sustainable future.

We invite you to build the bank of the future. Innovate the way we deliver financial services. Work in friendly, supportive teams. Build lasting value in your community. Help people grow their assets, business, and investments. Take your learning as far as you can. Or simply enjoy a vibrant, future-ready career. Your Opportunity Starts Here.

What we offer
Competitive base salary. A suite of holistic, flexible benefits to suit every lifestyle. Community initiatives. Industry-leading learning and professional development opportunities. Equal opportunity. Fair employment. Selection based on ability and fit with our culture and values. Your wellbeing, growth and aspirations are every bit as cared for as the needs of our customers.

Competitive base salary. A suite of holistic, flexible benefits to suit every lifestyle. Community initiatives. Industry-leading learning and professional development opportunities. Your wellbeing, growth and aspirations are every bit as cared for as the needs of our customers.