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Product Manager-Credit Cards at IDFC FIRST Bank — Mumbai

Experience2–5 yrs
SalaryNot disclosed
Work modeonsite
Levelmid
Posted11 Sept 2026

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About IDFC FIRST Bank

IDFC FIRST Bank is hiring in Mumbai in financial services. This role looks for around 2+ years of experience.

Skills

credit policy
underwriting processes
customer acquisition
product management
partnerships
P&L management
customer service
portfolio management
product planning
go-to-market strategy
customer onboarding

The role

A credit card product manager at a retail banking company shapes credit card offerings, credit underwriting, and customer lifecycle management while driving acquisition and portfolio profitability. The role applies credit policy and underwriting processes, customer acquisition, and product management across cards, partnerships, service journeys, and financial performance.

Full job description

Job Requirements

Role/ Job Title: Product Manager- Credit Cards

Function/ Department: Retail Banking

Job Purpose:

The position will be responsible for managing the relevant product variants within Credit cards ecosystem, Own the product end to end - Risk, policy, Acquisition with S&D, processes, partnerships, financials and capabilities and product execution end to end.

Managing sales funnel thru interventions at Credit policy, Underwriting processes, frictionless sales onboarding processes & portfolio metricsOwnership of product privileges, campaign metrics, smooth functioning of customer lifecycle including customer serviceOwnership of product planning, analysis and P&L for the respective variantsDrive multiple capabilities and processes for customer service, own customer service metrics for respective products

Roles & Responsibilities:

Identify the target segment needs, develop & manage the product offering thru constant competition benchmarking, CVP interventions, build relevant features & offers to drive customer value proposition & profitabilityDesigning go-to market strategies, enabling the appropriate communication calendars to drive product persona across customer baseManagement of Credit Policy & Underwriting Processes for right customer selection, optimising the existing bank clients for Pre-approved / Pre-qualified eligible baseFacilitate seamless client onboarding with minimal friction. Establishing and maintaining the internal ecosystem to support scale up of all facets of the business and execution of the segment roadmapWork closely with Analytics team for creating the right personas basis lifestyle, behaviour, propensity etc for customized and differentiated acquisition messaging for optimal conversionOwn all aspects of base management, recon across product features , reward redemption, statements, stationaryOwn all aspects related to customer service & partner management for the products- Own P&L for respective variants including revenue & loss metrics- Own all capabilities related to Secured cards across journeys, mobile app and service

Education Qualification (Fulltime):

Graduation: Bachelor’s in engineering / Technology / Math’s / Commerce / Arts / Science / Biology / Business / Computers / Engineering / Management

Experience: 2 to 5 years of relevant experience