About the Bank:
We are living in dynamic times. Technology is reshaping how we live, and we want to use it to redefine how financial services are offered. GXS Bank is a forward-thinking financial institution that aims to provide innovative solutions to our customers. We believe in the power of technology and data to drive financial inclusion and create a positive impact in our community.
Responsibilities
Strategic Business & P&L Leadership: Serve as the P&L owner and ultimate business manager for the Credit Card portfolio. This involves aggressive target setting and driving the end-to-end financial performance (revenue, cost, and risk metrics) with a critical focus on maximizing high-quality revenue streams by accelerating installment and revolve balance growth. Lead strategic initiatives across customer acquisition, usage, and cross-sell to ensure aggressive growth targets are met.
Product Commercialization & Innovation: Lead the end-to-end delivery and commercialization of new credit card products and features. This involves developing robust P&L forecasts, managing requirement scoping, securing risk clearance, and coordinating across all stakeholders (including card scheme negotiation) to ensure launches achieve defined business and financial outcomes.
External Partner and Scheme Management: Oversee commercial and legal contracts and manage relationships with key card schemes and service providers to drive commercial value and identify optimization opportunities.
Data-Driven Performance Management: Conduct deep analytical dives into card portfolio performance and transaction trends, translating data into actionable strategies that optimize P&L drivers, acquisition funnels, and usage patterns.
Risk & Financial Oversight: Work closely with the risk function to maintain a robust risk management framework and manage operational budget allocation and P&L projections, ensuring sound financial planning and compliance.
Regulatory & Compliance Adherence: Stay informed about regulatory developments and industry trends (especially MAS) to ensure full compliance with laws and standards related to payments and card operations.
Stakeholder Communication: Communicate effectively with senior internal stakeholders, providing strategic updates, insights, and decisive recommendations related to card business strategy and financial performance.
Requirements:
Mandatory 8+ years of deep, proven experience in Credit Card P&L management, business strategy, or portfolio management within retail banking or fintech.
Demonstrated success in driving revenue growth, specifically through initiatives focused on installment and revolving balance acceleration.
Exceptional analytical and data-driven problem-solving skills with a clear track record of using data to drive commercial outcomes and manage key P&L drivers.
Strong understanding of the card lifecycle, digital product development, and portfolio risk management.
Excellent communication, negotiation, and stakeholder management skills, with the ability to manage relationships with senior management.
Familiarity with MAS regulations related to cards and payments.
Confident, independent, self-driven, and highly motivated individual who thrives in a fast-paced environment with a strong sense of ownership and accountability.
Skills Required
- 8+ years of experience in Credit Card P&L management.
- Proven experience in business strategy or portfolio management in retail banking or fintech.
- Success in driving revenue growth through initiatives focused on installment and revolving balances.
- Exceptional analytical and data-driven problem-solving skills.
- Strong understanding of card lifecycle, digital product development, and portfolio risk management.
What We Do
At GXS, we're not just another bank. We're on a mission to make banking better for everyday consumers and small businesses. Better is a journey and we're here to stay the course.
