Lead Product Manager - Credit Cards

Responsibilities

• Product Strategy & Portfolio
• Design: Define and evolve a multi-segment credit card lineup: Credit Builder, fixed-fee, progressive-fee, grace-period and non-grace-period products.
• Build a clear product ladder with transparent rules for customer migration between cards and tiers based on payment behavior, risk, and card usage.
• Pricing & Fee Model Development
• Design and refine pricing mechanics including fixed fees, progressive fees, interest-based pricing, grace periods, minimum payments, cash withdrawal fees, and transfer fees. Ensure the tariff structure balances customer appeal with portfolio profitability.
• P&L Ownership & Unit Economics: Take full responsibility for product profitability. Model and optimize the funnel from acquisition and onboarding through utilization, average debt, ARPU, risk cost, funding cost, fee income, and operating expenses.
• Risk & Portfolio Collaboration
• Partner with Risk teams on customer segmentation, credit limits, approval strategy, risk-based pricing, vintage analysis, and migration rules between products. Ensure product mechanics drive the right customer behavior without compromising portfolio quality.
• Lifecycle & Customer Experience Management
• Own the full customer journey from acquisition and onboarding to activation, regular usage, limit increases, retention, and cross-sell.

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