Assistant Vice Precident, Specialist, Product Manager (Commercial Cards), Small Medium Enterprises

About this role

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Skills you'll use

What you'll do

• Conduct in-depth market research and competitive analysis to identify opportunities for product innovation and differentiation in the Indian commercial cards space, staying abreast of developments in digital payments and fintech landscape in India.
• Define product requirements, features, and functionalities based on customer needs, market analysis, and business objectives, incorporating features like spend management, online access, and integration with treasury services relevant to Indian businesses.
• Collaborate closely with various internal stakeholders including Sales, Technology & Operations, Credit, Legal & Compliance, Marketing, and Customer Service to ensure successful product delivery and management, specifically addressing Indian market nuances.
• Manage product pricing, cost analysis, and profitability for the commercial cards portfolio, considering the competitive pricing landscape among Indian private banks.
• Develop and implement go-to-market strategies for new product launches and enhancements, working with marketing teams and ensuring compliance with advertising guidelines in India.
• Monitor product performance metrics, analyze data, and generate insights to optimize product offerings and business outcomes, leveraging advanced analytics tools common in the Indian banking sector.
• Oversee the resolution of product-related issues and escalations, working with relevant teams and ensuring adherence to Indian customer grievance redressal mechanisms.
• Stay abreast of emerging technologies, payment trends (e.g., UPI, RuPay), and regulatory changes impacting the commercial cards industry in India, such as changes in online transaction rules or card issuance.
• Represent DBS at industry forums and events related to commercial cards in India, contributing to the bank's thought leadership in the sector.

Who can apply

• Rich experience in product management within the financial services industry in India, with significant experience specifically in Commercial Cards or Corporate Payments for an Indian private bank.
• Proven track record of successfully launching and managing financial products throughout their lifecycle in the Indian market.
• Demonstrated ability to drive business growth and profitability for a product portfolio, considering the competitive landscape and regulatory environment of Indian banking.
• Experience in collaborating with cross-functional teams and managing stakeholder relationships, including interactions with payment networks like Visa, Mastercard, and RuPay in India.
• Technical/Professional Knowledge and Experience
• In-depth knowledge of commercial card products, Indian payment systems (e.g., RuPay, UPI), and industry best practices (e.g., Visa, Mastercard schemes) within India.
• Strong understanding of corporate treasury needs, procure-to-pay processes, and working capital solutions relevant to Indian businesses.
• Proficiency in data analysis tools and methodologies to interpret market trends and product performance in the Indian context.
• Familiarity with regulatory frameworks and compliance requirements applicable to commercial card products in India, particularly RBI circulars and Master Directions.

About DBS

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