Job RequirementsRole/ Job Title: Senior Product Manager - Credit CardsFunction/ Department: Credit CardsJob Purpose:As the Senior Product Manager – Affluent Credit Cards, you will be responsible for designing, managing, and growing our premium and affluent credit card portfolio. This role requires a deep understanding of the affluent customer mindset, lifestyle aspirations, and spending behaviours, combined with strong business acumen to deliver portfolio profitability, customer delight, and brand differentiation.You will play a key role in shaping the strategy, value proposition, and customer experience of IDFC FIRST Bank’s affluent card products.Roles & Responsibilities:Drive end-to-end management of the affluent credit card portfolio — including product performance, revenue drivers, and cost optimization.Own the P&L, ensuring profitable growth through disciplined acquisition, engagement, and retention strategies.Regularly analyze portfolio metrics such as spend velocity, activation, revolve, utilization, and credit cost to identify trends and opportunities.Develop and manage affluent card propositions tailored to high-income and HNI segments.Create differentiated product experiences across travel, lifestyle, and financial benefits aligned to customer aspirations.Collaborate with partners to enhance product CVPs and design bespoke privileges.Leverage data and market insights to understand affluent customer needs, spending behaviour and expectations.Work closely with customer experience, marketing, and analytics teams to enhance engagement and reduce attrition.Champion customer-first design in all product, process, and communication journeys.Drive product launches, campaigns, and lifecycle programs in collaboration with marketing, digital, and distribution teams.Support frontline teams with tools, training, and communication to position the affluent portfolio effectively.Monitor acquisition funnels, onboarding experience, and first-90-day activation KPIs.Coordinate with internal stakeholders (Digital, Operations, Analytics, CX, Risk, Liabilities, Marketing) for end-to-end product delivery.Liaise with network partners, merchant aggregators, and benefit vendors to deliver superior value propositions.Track competitive landscape and emerging trends across premium card categories.Recommend enhancements to card features, reward programs, and customer journeys based on insights and feedback.Education Qualification: Graduation: Bachelor’s in Engineering / Technology / Management/ Computers/Science.Post-graduation: MBA.Experience: 5 to 10 years of experience in product management, ideally within credit cards, payments, or retail banking of affluent customer segments, premium credit card propositions, and portfolio economics.
Job Title
Senior Product Manager - Credit Cards