Product Manager (Credit Card)

About the Company

Our client is a world-leading digital payments organization. As digital payments continue to evolve, they are expanding their Hong Kong team and seeking a high-calibre Product Manager to drive credit card innovation and portfolio growth across Hong Kong & Macau.

The Opportunity

This is an exciting opportunity to take end-to-end ownership of credit card products, from concept design to market launch and ongoing optimization. You will work closely with leading banks and internal stakeholders to deliver innovative card propositions and drive measurable portfolio growth.

Key Responsibilities

1. Product Strategy & Value Proposition

• Develop differentiated credit card value propositions (CVPs) tailored to key customer segments (mass, affluent, millennials)
• Conduct customer, competitor, and market analysis to define product positioning
• Design product features including:
  • Rewards and benefits
  • Pricing strategies
  • Strategic partnerships
• Continuously refine propositions based on portfolio performance and market trends

2. Product Launch & Delivery

• Lead end-to-end card product launches, from ideation through to market rollout
• Manage project timelines and coordinate cross-functional teams
• Partner with Technology, Operations, Risk, and Marketing teams to ensure timely delivery
• Oversee key launch components including:
  • Product setup and configuration
  • Compliance and approval processes
  • Go-to-market readiness

3. Technical & Implementation Coordination

• Act as the bridge between business and technology teams
• Support product setup and digital integration (e.g., mobile wallets, app journeys)
• Translate business requirements into clear implementation specifications
• Enable campaign execution through proper targeting, tracking, and reporting

4. Campaigns & Portfolio Growth

• Design and execute campaigns to drive:
  • Customer acquisition
  • Activation and engagement
  • Spend and usage
  • Retention
• Collaborate with clients and marketing teams to optimize campaigns
• Measure and enhance campaign performance through data insights

5. Portfolio Management & Optimization

• Monitor key portfolio metrics:
  • Cards in force
  • Activation rates
  • Spend levels
  • Attrition
• Identify growth opportunities and improve customer lifetime value
• Develop data-driven strategies to optimize lifecycle performance

6. Stakeholder & Client Engagement

• Partner closely with issuing banks to support product and growth initiatives
• Collaborate with internal teams across product, marketing, and analytics
• Provide thought leadership in client discussions on product strategy and roadmap

Requirements

• 5-8 years of experience in banking, payments, or financial services
• Proven experience in:
  • Credit card product management or product development
  • New product launches or major product revamps
  • Campaigns and portfolio growth initiatives
• Strong understanding of:
  • Cardholder lifecycle management
  • Credit card economics and key P&L drivers
• Demonstrated project management and delivery experience
• Strong analytical and problem-solving skills
• Excellent stakeholder management and communication ability
• Bachelor's degree required
• Fluent in English and Cantonese