Responsibilities
JOB DESCRIPTION
Strategy and Planning
- Conceptualize, plan & implement customer life cycle programs to build core and revolving spends, drive higher engagement, line utilisation, retention, and revenue uplift within the portfolio.
- Analyse and interpret portfolio data, identify opportunities, and develop marketing programmes, propositions, and offers to target identified customer segments.
- Drive business profitability through fee income from various fees and charges and identifying market opportunities.
- Possess a comprehensive understanding of the cards and unsecured lending market, competition, and economy, and their impact on the business.
- Work closely with internal stakeholders (Marketing, Digital Banking, Analytics, Operations, Legal & Compliance, Customer Experience, Call Centre) to ensure seamless execution of programs.
Business Performance and Management
- Execute, track and measure campaign / channel performance & effectiveness.
- Manage campaigns end-to-end from preparing campaign proposals, business cases to creative development, campaign fulfilment, and post campaign analyses.
- Continuously monitor key portfolio indicators.
- Monitor competition to maintain competitiveness.
- Perform regular reporting, analysis, and presentation of key business results to management.
- Work with Digital Banking team and IT on testing and system-related issues.
- Manage key concerns and any customer issues relating to campaigns.
- Project management for new collaborations and projects.
People Management
- Work closely with internal and external stakeholders to ensure smooth executive of deliverables.
Regulatory Compliance
- Work closely with internal stakeholders to ensure all product offers and communications adhere to regulatory requirements.
Requirements
Qualifications
- Possess a Degree/Diploma in any discipline
Relevant Work Experience
- Minimally 3 years of Product/Portfolio/Marketing experience, preferably in the Credit Cards and/or Unsecured Lending industry
Technical/Functional Skills
- Strong business acumen
- Highly numerate and strong analytical skills
- Good knowledge of credit cards industry and customer life cycle management
- In-depth understanding of customer segmentation and marketing
- Knowledge of campaign management and digital marketing
- Proven ability to develop product and marketing strategies and effectively communicate recommendations to management
Personal Skills (Soft Competencies)
- Resourceful, independent and meticulous
- Demonstrated problem solving and decision making skills
- Excellent communication (spoken and written), interpersonal and stakeholder management skills
- Ability to work under pressure and manage deadlines or unexpected changes in expectations or requirements
- A team player who is enthusiastic and highly motivated
