AVP / Senior Associate, Credit Cards Product Manager, Consumer Banking Group

Business Function: As the leading bank in Asia, DBS Consumer Banking Group is in a unique position to help our customers realise their dreams and ambitions. As a market leader in the consumer banking business, DBS has a full spectrum of products and services, including deposits, investments, insurance, mortgages, credit cards and personal loans, to help our customers realise their dreams and aspirations at every life stage. Our financial solutions are not only the best in the business - they were made just right for you. Job Purpose: This role is responsible for the end-to-end management of our affluent credit card DBS Vantage Card, driving product strategy and performance to achieve business objectives of growing the portfolio penetration against our DBS Treasures segment base , and meet the evolving demands of the affluent client segment. Responsibilities: Product Strategy & Roadmap: Develop and execute the product strategy and roadmap for credit card offerings tailored to the needs of affluent segment. This includes identifying opportunities for enhancements to existing product and privileges/ benefits that resonate with this target segment with consideration for digital development and integration. Market Research & Analysis: Conduct thorough market research, analyse customer feedback, and monitor industry trends, focusing specifically on the customer segment, to identify unmet needs and opportunities for product innovation and differentiation. Understand their financial behaviours, lifestyle preferences, and spending patterns. Stakeholder Collaboration: Collaborate with internal stakeholders (e.g. DBS Treasures segment, marketing, operations, legal, compliance) and external partners (e.g., payment networks, merchants) to develop and optimize processes that support the successful ongoing management of credit card products for this customer segment. Performance Monitoring & Optimization: Monitor key performance metrics (e.g., customer acquisition, activation rates, spending volume, profitability) for the portfolio and leverage data analysis to drive decision-making and implement strategies to improve overall customer experience and product performance. This includes identifying areas for process improvement, risk mitigation and cost optimization. Budget Management: Oversee the product budget, ensuring efficient resource allocation and expense tracking, with a focus on maximizing ROI for the product. Customer Focus: Maintain a strong understanding of affluent customer needs and preferences to ensure that all operational processes and product features enhance service delivery and customer satisfaction for this segment. This includes understanding their expectations around services, benefits/privileges and rewards to delivers exceptional cardholders experiences. Requirements: Experience: Bachelor's Degree with 3 to 5 years of experience in product management, preferably within the credit card industry, with a proven track record of success in understanding and managing affluent segment card products. Analytical Skills: Demonstrated ability to interpret data, derive actionable insights, and make data-driven decisions related to product development, pricing, and marketing. Attention to Detail: Meticulous approach to work, ensuring accuracy and adherence to compliance standards with minimal risk. Apply Now We offer a competitive salary and benefits package and the professional advantages of a dynamic environment that supports your development and recognises your achievements.