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Product Head – Card Value Proposition

  • Full Time
  • Karachi
  • Applications have closed

Website Dot X

News Premier

Job Description


Job Summary:

Responsible for customer value proposition design with new initiatives, usage campaigns as per payment trend analysis, Alliances portfolio management to drive business growth & meet business targets.

Formulation of strategy for product development – plan, propose, develop, launch, monitor and review strategy to maximize overall profitability of the business.

Job Requirements:

Product Development

The incumbent is responsible for both product planning and product marketing.

This includes managing the product throughout the Product Lifecycle, gathering and prioritizing product and customer requirements, defining the product vision.

Conduct regular review of market & competitor activities to identify opportunities, initiate product ideas and tailor benefits and features for each target segment.

Card business core KPI improvements (Fee revenue & Interchange income).

To prospect and propose new avenues for product development

Lead “First to Market” advantage in all profitable products suitable to target segments.

Campaign Management

To develop and manage advertising & promotional campaign & activities in order to enhance the Brand awareness & brand loyalty

To finalize overall marketing campaign starting from concept to actual execution of the campaign

Cards product enhancement and usage campaigns driven by analysis for spend & visibility.

Alliances Management

Manage and build on alliances/ partnership portfolio and sustainable growth in chosen market categories

Execute & manage campaigns with merchants for UBL Credit, Debit/Prepaid Cards Portfolio.

Ensure timely payments of regular long-term alliances and short-term tactical campaigns.

Manage coordination with internal and external stakeholders.

Negotiate, design and execute partnerships for cards value proposition enhancement.

Business Planning & Development

Maintain up-to-date understanding of competitive trends and market needs and identify market conditions to apply proper measures to maximize the advantage and/or minimize the risk on any situation

To plan and execute strategies for better portfolio performance of both businesses

To ensure smooth running of business through Product Managers.

To manage Card business core KPI improvements (Fee revenue & Interchange income).

Budgetary Control

To review, monitor costs and expenses and highlight if any expenses are above budget

To ensure all cross-functional expenses are approved by business and they are complying with the approved budget.

To review MIS’s/report for monitoring purpose

Relationship Management

To develop a solution set across cross functional teams by involving the respective function through market requirements and product positioning.

Work closely with Finance, operations, Marketing, Distributions Channels to ensure optimum product penetration & partnership portfolio sustainability.

Conduct regular training for Sales, Service and Quality, Marketing Services and branches on new products, campaigns and partnerships.

Work with MasterCard/VISA and other network partners for product development and enhanced value propositions.

Strive to achieve best in class product and services from third parties for Bank interest

Experience & Qualification:

Minimum 8 years’ relevant experience

Bachelors or Masters/MBA

Skills Required:

Strong product & relationship management capability with proven track record

Experience in managing multi-faceted/stakeholder projects.

Experience in managing and growing products, having worked in large local or international organizations.

Integrity, Honesty & Good leadership skills

Excellent communication skills

Strong analytical skills



Alliance Management Building Business Partnership Building Key Strategic Relationships Project Management Product Management

Job Details

Banking/Financial Services
Functional Area:
Product Management
Total Positions:
1 Post
Job Shift:
First Shift (Day)
Job Type:
Full Time/Permanent
Consumer Bank
Job Location:
Karachi, Pakistan
No Preference
Minimum Education:
Career Level:
Experienced Professional
Minimum Experience:
8 Years
Apply Before:
Dec 01, 2021
Posting Date:
Nov 15, 2021

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