全职 Product Owner (Card) 工作, 薪水, Boost Bank Federal Territory 公司招聘中 - Ricebowl

The Product Owner – Cards is responsible for the end-to-end management, execution, performance, and continuous enhancement of the Bank's Cards portfolio. The role translates the strategic objectives, product vision, and innovation priorities established by the Head of Product & Innovation into product roadmaps, features, pricing initiatives, customer campaigns, and operational improvements that drive portfolio growth, customer engagement, and profitability.

Key Responsibilities

A. Product Ownership – Cards

1. Own the day-to-day management, execution, and delivery of the Bank's Cards portfolio in line with the strategy and priorities set by the Head of Product & Innovation.
2. Translate strategic objectives into product roadmaps, business requirements, feature enhancements, pricing strategies, rewards programmes, and customer value propositions.
3. Manage the end-to-end product lifecycle, including ideation, business case development, requirements gathering, development, testing, launch, and post-implementation review.
4. Drive portfolio growth through product innovation, customer engagement initiatives, and continuous optimisation of products and processes.
5. Monitor key portfolio metrics including card acquisition, activation, spend, utilisation, retention, portfolio balances, revenue, and profitability.
6. Conduct market analysis, competitor benchmarking, and customer research to identify opportunities for growth and product enhancement.
7. Manage relationships and dependencies with card schemes, payment processors, vendors, and external partners, including Visa, Mastercard, and payment ecosystem providers.
8. Collaborate with Finance on pricing strategies, business cases, and portfolio profitability management.

B. Card Campaign Management

1. Lead the planning, execution, and monitoring of card-related campaigns and promotional initiatives.
2. Define campaign objectives, mechanics, eligibility criteria, incentives, customer journeys, operational processes, and performance measures.
3. Act as the primary owner and coordinator for campaign execution across Product, Marketing, Data, Technology, Operations, Finance, Risk, and Compliance teams.
4. Maintain a centralised campaign roadmap and calendar to ensure alignment with business objectives and delivery capacity.
5. Monitor campaign performance and conduct post-campaign reviews to identify lessons learned and optimisation opportunities.
6. Ensure campaigns are commercially viable, operationally feasible, and aligned with customer needs and portfolio objectives.

C. Cross-Functional Delivery & Execution

1. Partner closely with agile delivery squads to ensure timely and successful implementation of card-related initiatives.
2. Work collaboratively with Technology, Operations, Risk, Compliance, Legal, Marketing, Customer Service, and Finance teams throughout the product lifecycle.
3. Ensure end-to-end launch readiness, including operational processes, customer communications, support procedures, and performance monitoring.
4. Manage project timelines, dependencies, risks, and stakeholder expectations to achieve agreed business outcomes.
5. Drive effective cross-functional collaboration and decision-making to ensure successful product delivery.

D. Governance, Risk & Compliance

1. Ensure all card products, campaigns, and initiatives comply with Bank Negara Malaysia (BNM) regulations, card scheme rules, AML/CFT requirements, consumer protection guidelines, and internal policies.
2. Prepare business cases, approval papers, product proposals, and governance submissions for relevant committees and approval forums.
3. Identify, assess, and mitigate product, operational, regulatory, financial, and reputational risks.
4. Ensure appropriate controls, policies, procedures, and governance requirements are embedded within product and campaign processes.
5. Support audit, compliance, and regulatory reviews relating to card products and initiatives.

E. Performance Management & Optimisation

1. Track, analyse, and report portfolio performance against business targets and strategic objectives.
2. Conduct post-launch and post-campaign reviews to measure outcomes, customer impact, and business value delivered.
3. Utilise customer insights, market intelligence, and data analytics to drive continuous product improvement.
4. Recommend and implement initiatives to enhance customer experience, increase portfolio performance, and strengthen market competitiveness.
5. Establish and monitor product KPIs and ensure corrective actions are taken when performance gaps are identified.

Job Requirements & Criteria

Experience

1. Minimum 5–7 years of experience in Product Management, Product Ownership, Portfolio Management, or a related role within banking, fintech, payments, or financial services.
2. Proven experience managing card products, including credit cards, debit cards, prepaid cards, or card-acquiring solutions.
3. Strong experience in product lifecycle management, customer campaigns, pricing strategies, rewards programmes, and portfolio growth initiatives.
4. Experience working with card schemes such as Visa and Mastercard and understanding card payment ecosystems.
5. Experience operating within a regulated financial services environment and working with governance and approval processes.
6. Experience working within agile and cross-functional delivery teams.

Knowledge & Skills

• Strong knowledge of card products, card payments, and digital banking.
• Strong commercial, analytical, and problem-solving skills.
• Experience in product roadmap development and prioritisation.
• Strong stakeholder management and influencing skills.
• Excellent project and delivery management capabilities.
• Data-driven decision-making and performance management experience.
• Understanding of BNM regulations, AML/CFT requirements, and risk management principles.
• Excellent communication, presentation, and interpersonal skills.