Product Lead

We are looking for a high-performing, strategic and experienced leader to head our card issuance product. The Digital Product Lead - Card Issuance will own and strategise card issuance across channels (Digital + B2B + Retail). The ideal candidate will be deeply passionate about mobile-first experiences, user engagement, card platforms, and building innovative solutions. This role requires hands-on experience in designing, managing, and improving digital acquisition, activation, and lifecycle journeys across platforms. The candidate will collaborate with Sales, Alliances, Growth, Marketing, Engineering, and Analytics teams to build card strategy and optimise conversions, increase feature adoption, and continuously enhance customer experience.

The core responsibilities for the job include the following:

Mobile App and Digital Journey Ownership:

• Own all card-related customer journeys within the bank's mobile application and digital platforms, including onboarding, issuance, activation, PIN setting, transaction views, blocking, replacements, limits, and more.
• Continuously improve user flows for all card types
• Ensure UI/UX consistency, responsiveness, and seamless integration with backend systems.

Strategy and Roadmap:

• Define the vision, strategy, and product roadmap for the card issuance portfolio across consumer and commercial segments.
• Stay ahead of industry trends, regulatory requirements, and emerging technologies to shape product direction.

Partnerships and Ecosystem:

• Manage relationships with card schemes (Visa, Mastercard, Rupay, etc. ), processors, BIN sponsors, and technology providers.
• Collaborate with issuing partners, fraud/risk teams, operations, and regulatory bodies to ensure secure and compliant products.

Customer-Centric Innovation:

• Identify customer pain points and market opportunities to develop differentiated features like virtual cards, instant issuance, embedded controls, loyalty, etc.
• Gather customer feedback, monitor competitive products, and iterate based on data-driven insights.

Regulatory and Risk Oversight:

• Ensure compliance with all local and international card issuance regulations.
• Partner with internal risk and compliance teams to manage fraud, chargebacks, AML, and KYC/onboarding aspects.

Product Development and Lifecycle Management:

• Lead end-to-end product development from concept to launch, including feature definition, UX, compliance, and go-to-market plans.
• Manage the lifecycle of card products, ensuring they meet performance, profitability, and customer satisfaction targets.

Requirements:

• Strong understanding of card issuing infrastructure, processors, card networks, BIN management, settlement, and chargebacks.
• Demonstrated experience building and scaling successful card products (physical and digital).
• Experience in managing teams and working cross-functionally in matrixed organisations.
• Strategic thinker with strong analytical and problem-solving skills.
• Deep understanding of the card value chain, including risk, compliance, and operations
• Customer-obsessed with a passion for innovation in financial services.
• Excellent communication, stakeholder management, and leadership skills.
• Familiarity with agile product development methodologies.
• Strong experience in mobile app product management, with full ownership of user-facing journeys.

Good to Have:

• Experience in cards, fintech, banking, or consumer tech products.
• Exposure to UPI, BBPS, NCMC, or tokenisation-based journeys.
• Prior work on self-serve app features, in-app nudges, and customer lifecycle interventions.