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
The Cards Product Manager will manage a selected portfolio of consumer, business and corporate card products, with responsibility for shaping propositions, driving portfolio performance and improving customer outcomes. The role will work cross-functionally to deliver relevant product capabilities, enhance customer journeys and support the Bank’s broader cards strategy.
Key Responsibilities
- Develop and execute product plans for assigned consumer, business and corporate card products, including proposition development, feature enhancements and lifecycle initiatives.
- Manage key P&L levers for the assigned products, including revenue growth, cost discipline, pricing, risk-to-reward optimisation and business KPI delivery.
- Improve customers’ end-to-end experience across acquisition, onboarding, activation, usage, servicing, retention and renewal journeys.
- Partner with Business and Corporate Banking colleagues to identify client needs, shape relevant card propositions and deliver payment solutions for companies and their employees.
- Collaborate closely with Digital Banking, Marketing, Operations, Compliance, Risk, Data and Finance teams to deliver product campaigns, enhancements and new capabilities.
- Coordinate end-to-end delivery of product initiatives, including business requirements, approvals, implementation plans, risk management and post-launch tracking.
- Use market trends, customer insights, competitor activity and portfolio analytics to identify opportunities for product refreshes, usage growth and customer engagement.
Requirements
- Bachelor’s degree in Business, Finance, Information Systems or a related discipline.
- Minimum 6–8 years of experience in credit cards, payments, business and corporate cards, portfolio management or financial services product roles, preferably within a bank or payments-led organisation.
- Strong understanding of credit card products, business and corporate card solutions, portfolio economics, customer lifecycle management, card schemes and digital payment capabilities.
- Proven ability to manage P&L levers, define business requirements, translate customer needs into product and journey improvements, and drive outcomes through cross-functional teams.
- Strong stakeholder management and influencing skills, with the ability to partner senior stakeholders across Consumer Banking, Business and Corporate Banking, Risk, Compliance, Technology, Operations and external partners.
- Customer-centric mindset with experience improving acquisition, onboarding, servicing, usage and retention journeys across physical and digital channels.
- Sound risk and control mindset, with awareness of regulatory and operational considerations.
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 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.
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.
Skills Required
- Bachelor's degree in Business, Finance, Information Systems or related discipline
- 6-8 years' experience in credit cards, payments, business/corporate cards, portfolio management or financial services product roles
- Strong understanding of credit card products, corporate card solutions, portfolio economics, card schemes and digital payment capabilities
- Proven ability to manage P&L levers and deliver business KPI outcomes
- Experience defining business requirements and translating customer needs into product and journey improvements
- Strong stakeholder management and influencing skills with senior stakeholders across banking, risk, compliance, technology and operations
- Customer-centric mindset with experience improving acquisition, onboarding, servicing, usage and retention across physical and digital channels
- Sound risk and control mindset with awareness of regulatory and operational considerations
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What We Do
OCBC is the longest established Singapore bank, formed in 1932 from the merger of three local banks, the oldest of which was founded in 1912. It is now the second largest financial services group in Southeast Asia by assets and one of the world’s most highly-rated banks, with an Aa1 rating from Moody’s. Recognised for its financial strength and stability, OCBC is consistently ranked among the World’s Top 50 Safest Banks by Global Finance and has been named Best Managed Bank in Singapore by The Asian Banker. OCBC and its subsidiaries offer a broad array of commercial banking, specialist financial and wealth management services, ranging from consumer, corporate, investment, private and transaction banking to treasury, insurance, asset management and stockbroking services. OCBC’s key markets are Singapore, Malaysia, Indonesia and Greater China. It has more than 570 branches and representative offices in 19 countries and regions. These include about 300 branches and offices in Indonesia under subsidiary Bank OCBC NISP, and over 90 branches and offices in Mainland China, Hong Kong SAR and Macau SAR under OCBC Wing Hang. OCBC’s private banking services are provided by its wholly-owned subsidiary Bank of Singapore, which operates on a unique open-architecture product platform to source for the best-in-class products to meet its clients’ goals. OCBC's insurance subsidiary, Great Eastern Holdings, is the oldest and most established life insurance group in Singapore and Malaysia. Its asset management subsidiary, Lion Global Investors, is one of the largest private sector asset management companies in Southeast Asia.
