Job Description
Banking Jobs. I&M Bank Jobs
Job Purpose:
- To lead the design, development, enhancement, and performance of card products targeted at Corporate, Business Banking, Commercial, and High-Net-Worth customers.
- The role ensures that the bank delivers premium, relevant, and competitively differentiated card solutions that drive revenue, loyalty, and deepened client relationships.
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Key Responsibilities:
Product Strategy & Value Proposition Development:
- Own the corporate and HNW card product roadmap—credit, debit, virtual, prepaid and premium propositions.
- Develop differentiated value propositions aligned to the needs of: large corporates, Middle-market & SMEs, Business banking and High-net-worth individuals (wealth & preferred segments).
- Align product strategy with market trends, customer insights, and scheme partnerships.
New Product Development & Enhancements:
- Lead ideation, design, prototyping, and rollout of new card products including; Premium credit cards, T&E expense management cards, corporate purchasing / procurement cards, SME working capital card solutions, Co-branded premium cards and Virtual corporate cards for digital-first businesses.
- Drive lifecycle enhancements (features, pricing, benefits, loyalty, service experience).
Corporate & HNW Portfolio Management:
- Monitor performance of corporate/HNW segments – spend, activation, utilization, attrition, delinquency.
- Lead portfolio interventions to optimize usage, cross-sell, upgrades, and retention.
- Develop and manage annual segment growth and revenue plans.
Client Engagement & Relationship Support:
- Work closely with Corporate, Business Banking and Wealth Relationship Managers to drive deeper card penetration among existing clients.
- Support business pitches with bespoke card solutions, pricing, benefits, and onboarding journeys.
- Lead premium client experience interventions (e.g., airport lounges, concierge, reward programs, lifestyle benefits).
Pricing & Commercials:
- Develop pricing strategies that balance acquisition, retention and profitability.
- Structure corporate card deals—fee structures, interchange optimization, spend-based rewards, and corporate rebates.
- Collaborate with Finance and Risk to strengthen product-level P&L discipline.
Partner & Ecosystem Management:
- Work with schemes (Mastercard, Visa, UnionPay, UPI) to design premium offerings and commercial incentives.
- Manage external partners such as travel providers, concierge networks, lifestyle partners and fintechs offering T&E or expense management tools.
- Evaluate opportunities for co-brand partnerships with elite institutions, associations, or luxury brands.
Risk, Compliance & Controls:
- Ensure corporate and HNW propositions meet internal policies, regulatory requirements, scheme mandates, and operational risk standards.
- Collaborate with Credit Risk on limits, underwriting frameworks, corporate guarantees and exposure controls.
- Stay ahead of fraud trends affecting premium cardholders and business customers.
Operational Excellence & Journey Digitization:
- Enhance onboarding experience for corporates and HNW clients (digital onboarding, instant issuance, dedicated service teams).
- Improve client journeys across: Statement delivery, Expense reporting, Card issuance flows, E-commerce authentication, Disputes & chargebacks and Lead automation initiatives for corporate workflows and premium servicing.
Academic Qualifications:
- Bachelor’s degree in business, Finance, IT, Economics, or related field.
- Additional certification in product management, project management or digital transformation is an added advantage.
Work Experience:
- 6–10+ years in product management, corporate banking, premium banking, or card issuing.
- Proven experience managing commercial card or premium card products.
- Demonstrated exposure to HNW customer value propositions or corporate payment solutions.
- Experience in developing digital-first financial products.
- Strong understanding of corporate procurement, T&E flows, and working capital needs.
Key Skills & Competencies:
- Product & Commercial Acumen.
- Strong understanding of card economics, interchange, credit risk drivers, pricing strategies.
- Ability to create compelling propositions with clear commercial returns.
- Client-Centricity & Relationship Capability.
- Deep understanding of corporate buyer journeys and affluent customer expectations.
- Ability to co-create solutions with Relationship Managers and key decision-makers.
- Digital Payments & Technology Savvy.
Familiarity with:
- Digital corporate onboarding platforms.
- Virtual cards & tokenization.
- Expense management tools.
- AI/automation in corporate payments.
- Premium customer servicing technologies.
Insights & Analytics:
- Ability to leverage data for segmentation, product design, offers personalization, and portfolio tracking.
- Leadership & Influence.
- Strong stakeholder management.
- Ability to drive cross-functional initiatives with risk, operations, marketing, digital, and credit teams.
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How to Apply
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