The Consumer Credit Products team is responsible for developing and enhancing the performance of consumer centric solutions that drive card issuance, activation and usage across channels.
The team operates cross functionally (i.e.Digital, Business Development, Marketing, Risk, Performance Solution, Merchant, and Finance Teams) to deliver best in class value product constructs and portfolio optimization.
The Director of Consumer Credit is a unique position as he/she will lead the next generation of portfolio management activities and the co-creation of new Credit products that attend to the current and emerging payment needs for Issuers, Merchants and Consumers.
Tell me about yourself - The perfect answer - For more visit www.careeradvice.org
Key to the role will be the ability to carry complex data analysis, think strategically, formulate and problem solve, articulate and manage project plans, and take risks.
Portfolio Management: Carry performance-driven analysis to recognize opportunities at market/issuer level to enhance products’ lifecycle (i.e. issuance, activation, utilization, upsell, and retention). Establish actionable plans to increase products’ penetration across consumers segments and issuers’ portfolio. Engage with issuers in product ideation, co-creations. Define, document and share best practices; both internally and externally, that supports market needs with actionable and relevant insights
Business Optimization: Define strategies and lead execution of revenue generating / improvement opportunities (internal and external). This includes sizing and prioritizing activities with a clear understanding of the credit card business model, market dynamics, competitive environment, and Visa capabilities.
Product Development: Draw well-integrated segment centric product constructs comprising applicable features, functionalities and benefits. Formulate product performance considerations, assess competitive positioning, and stablish pricing. Identify trends that will drive progression of features, benefits, and product life cycle. Integrate marketing initiatives, emerging payments, features and benefits delivery, and educational materials into the go to market strategy.
Customer Experience: advocate for consumers in every of the products’ touch points including features, benefits, and service delivery.
Qualifications
Minimum of 10 years’ experience, with proven track record, in credit card portfolio/product lifecycle management and Business optimization. Understanding of competitive offerings and industry trends; international market knowledge/experience a plus.
Proven experience defining strategies and executing in credit card portfolio revenue generating / improvement initiative.
Proven experience in data analytics, with the ability to process and summarize large amounts of data into strategic insights.
Proven track record of delivering success and meaningful market differentiated Card value propositions while operating within a cross functional team environment.
Flexible and creative thinker with the ability to define business tradeoffs, generate out-of-the-box solutions, manage uncertainty, and oversee multiple projects and initiatives concurrently.
Ability to lead and influence decisions of others, including senior management.
BA/BS required; MBA a plus.
Verbal and written communications skills: English and Spanish. Portuguese a plus
Excellent written and verbal communication, story-telling, and presentation skills
Willingness to travel 25% of time.
Send To A Friend
Posts
