Cards Product Owner

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The Cards Product Owner is responsible for driving the end-to-end design, development, and lifecycle management of card products within the Cards Business Group. This role leads product roadmap execution across card issuance, embossing, payment network integrations, and card management system (CMS) enhancements. Working closely with cross-functional teams, technology partners, and external vendors, the Cards Product Owner ensures the delivery of customer-centric, commercially viable, and compliant card solutions. The role aims to drive card portfolio growth, improve cardholder experience, and deliver product enhancements on time while maintaining operational efficiency and regulatory compliance.

Product Strategy and Roadmap Execution

• Drive the development and execution of the card product roadmap, covering card issuance, embossing, payment network integrations, and new product features.
• Evaluate product value propositions, develop business cases, and prioritize product enhancements based on customer needs, business objectives, and market opportunities.
• Conduct competitive benchmarking and user experience reviews to identify opportunities to improve card products and cardholder journeys.
• Support initiatives that drive card portfolio growth, card activation, product adoption, and interchange and fee revenues.
  

Product Development and Delivery

• Manage and prioritize the product backlog, including user stories, epics, system enhancements, defects, and integrations.
• Develop detailed user stories and collaborate on Product Service Design (PSD) documentation to communicate product requirements and functional specifications to engineering and business teams.
• Partner with Squad, Tribe, and Portfolio leadership to ensure product deliverables are completed on schedule, meet agreed specifications, and address dependencies and risks.
• Collaborate with Scrum Masters and cross-functional teams to facilitate Agile ceremonies and support the delivery of CMS and front-end enhancements.
• Oversee multiple workstreams and coordinate with vendors and technology partners to support successful product implementation.
  

Customer Experience and Journey Optimization

• Map and optimize end-to-end cardholder journeys across digital channels and back-end systems, including the mobile application, card management system, and payment processors.
• Identify opportunities to improve card onboarding, activation, and self-service management experiences.
• Partner with Customer Experience Management (CXM), Product Operationalization, and Card Operations teams to ensure operational readiness for new features and product launches.
• Develop and coordinate support workflows, training materials, and launch procedures to facilitate seamless product implementation and adoption.
  

Stakeholder, Vendor, and Compliance Management

• Work closely with Risk, Compliance, Finance, Operations, Engineering, and commercial teams to incorporate regulatory, payment network, and business requirements into product development.
• Manage relationships and coordinate deliverables with external partners, including card embossing vendors, payment processors, and card networks.
• Ensure product features and implementations align with applicable regulatory requirements, payment network standards, and internal policies.
• Monitor product issues, operational defects, and system dependencies, coordinating with relevant teams to drive timely resolution.
  

Product Performance and Continuous Improvement

• Monitor product performance and identify opportunities to improve card activation, adoption, customer satisfaction, and revenue generation.
• Support initiatives to improve cardholder satisfaction and reduce operational defects through structured problem-solving and root-cause analysis.
• Track product delivery milestones, risks, and dependencies to ensure successful and timely launches.
• Drive continuous improvements across card products, processes, and customer experiences.
  

We are looking for:

• Proven experience in card product management, product ownership, or payment system implementation.
• Strong knowledge of Card Management Systems (CMS), card issuance processes, and payment network integrations, preferably involving Visa, Mastercard, and BancNet.
• Familiarity with applicable regulatory frameworks and compliance requirements, including Bangko Sentral ng Pilipinas (BSP) regulations and Anti-Money Laundering Council (AMLC) requirements.
• Experience managing product roadmaps, backlogs, user stories, business requirements, and end-to-end product delivery.
• Understanding of user experience (UX) principles, particularly for card onboarding, activation, and self-service management.
• Strong project management skills, with the ability to manage multiple workstreams, delivery schedules, dependencies, and external vendors.
• Demonstrated ability to collaborate with cross-functional stakeholders across Product, Engineering, Risk, Compliance, Finance, and Operations.
• Working knowledge of Agile and Scrum methodologies and experience participating in Agile product development ceremonies.
• Strong analytical thinking, structured problem-solving, and root-cause analysis skills, particularly in addressing card issuance and payment processing issues.
• Excellent communication, negotiation, stakeholder management, and presentation skills, including the ability to communicate product requirements and recommendations effectively.
• A strong customer-centric mindset, with a focus on delivering compliant, commercially viable, and high-quality card products.