Senior product manager-credit cards

Job Requirements

Role – Senior Manager – Portfolio Management

Function/Department – Credit Card

Location - Mumbai

Job Purpose:

Own portfolio P& L and unit economics; drive lifecycle levers; design affluent collections with Risk; govern benefit costs and migrations; and deliver disciplined MIS, forecasting and reviews.

Portfolio P& L stewardship and unit-economics governance Lifecycle growth levers (activation, usage, spend deepening, attrition reduction) Risk partnership and affluent collections strategy Inorganic actions (migrations, transitions, sunsets) MIS, dashboards, forecasts and budgeting cadence

Primary Responsibilities:

P& L & Unit Economics Build unit-level metrics and P& L with Finance Prepare monthly portfolio MIS (spends, activation, attrition) Ensure timely monthly budgeting and provisioning Track partner-led product costs and profitability (e.g., Maharaja Points) Rewards economics and breakage modelling with periodic ROI reviews and benefit rationalization cycles (quarterly/annual). Formal EWS (early warning) and behaviour scorecards for affluent cohorts; playbooks for pre‐emptive line controls and treatment paths. UPI‐on‐Credit adoption tracking, MCC/category controls, and merchant/category stimulus strategy. Formal dormancy and high‐value retention programs. Growth & Lifecycle Develop acquisition plans and run acquisition campaigns Design and execute portfolio growth campaigns to increase activation and usage Analyse attrition, upgrades, lifecycle and execute actions Plan and execute merchant/platform-led offers Disputes & chargeback analytics with TAT governance; systematic fee/interest reversal rules for billing errors; root‐cause loops to other relevant teams Analytics & Reporting Build and maintain dashboards Run forecasts and impact analysis for portfolio changes Develop new reports and dashboards to enhance visibility Risk & Collections Design and manage affluent-specific collections process Partner with Risk to monitor credit performance Inorganic & Transitions Design and execute migration plans (e.g., Vistara)

Secondary Responsibilities :

P& L fluency & unit-economics Experimentation & measurement Analytical skills (SQL/Excel), dashboarding Cross-functional orchestration Risk/collections literacy (roll, flow, cure strategies) for premium books. Understanding of chargeback regimes (Visa/Mastercard) and issuer dispute ops. Regulatory knowhow: RBI card conduct (consent for CLI/closures/billing). Executive communication: crisp BRDs/PRDs, monthly business reviews, and escalation notes.

Managerial & Leadership Responsibilities

Positive, collaborative attitude, Prolific communicator Ability to evaluate potential business opportunities, structure the team's thinking, and reach insightful answers Experience in managing multiple cross-functional opportunities and projects in parallel Ambitious team player with the ability to manage the internal & external partners requirements and tasks in time sensitive situations

Qualifications: MBA Marketing / Finance / Graduate

Industries : Banking, Fintech

Experience:

7–10 years in portfolio mgmt/risk/analytics Hands-on MIS/reporting & P& L ownership Ability to translate insights into targeted actions