Product Development Specialist (Digital Banking) - Credit Card Product

What You Will Do
Product development & enhancement
• Understand customer needs, market trends and competitors for credit cards / unsecured loans.
• Conduct user research (interviews, surveys, usability testing,...) to:
• Explore customer needs, behaviors and pain points across journeys;
• Validate product ideas, features and process changes before/after launch.
• Design and enhancement of product features, pricing, fees, limits, benefits and policies.
• Design and enhance core product features for credit cards / unsecured loans, including pricing & interest structure, fees, credit limits, tenure, repayment options, rewards & cashback mechanics, installment programs, promotions and key product policies.
• Develop and optimize cross-sell features and add-on products (e.g. installment plans, insurance add-ons, top-up loans, bundled offers with other bank products/partners) to increase customer engagement, deepen product usage and maximize portfolio profitability.
• Design and run A/B tests on pricing, benefits, bundles and offers to identify the best-performing propositions for each target segment.
Portfolio & performance management
• Monitor key KPIs: application, approval, activation, utilization, revenue, profitability.
• Work with Data & Finance to analyze portfolio performance and propose improvements and experiments.
Customer journey & process optimization
• Map and improve end-to-end customer journeys: acquisition, onboarding, usage, repayment, service, retention.
• Ensure products and processes comply with internal policies and regulations.