• Lead the development, management, and optimization of the Credit Card product portfolio to meet customer needs and drive business growth. • Conduct market research, analyze industry trends and customer behavior, and propose new product features, benefits, and value propositions to enhance competitiveness. • Design and enhance customer journeys, operating procedures, product policies, and guidelines related to Credit Card products. • Collaborate with Business, Technology, Operations, Risk, Compliance, Legal, and other stakeholders to deliver product initiatives and enhancements. • Monitor and analyze product performance, identify business opportunities, and recommend improvement initiatives to drive portfolio growth and customer engagement. • Participate in product development, digital transformation, and process automation projects related to Credit Card business. • Develop product documentation and provide training and knowledge-sharing sessions for relevant stakeholders. • Perform other duties as assigned by the Line Manager. [Requirements] • Bachelor's degree or above in Finance, Banking, Economics, Business Administration, or a related field. • Minimum 8 years of experience in banking or financial services, with solid hands-on experience in Credit Card product development, management, or portfolio optimization. • Strong understanding of Credit Card business, including product lifecycle management, portfolio performance metrics, customer spending behavior, and key growth drivers for card acquisition, activation, and usage. • Proven experience in developing or enhancing Credit Card products, features, policies, benefits, and customer value propositions. • Good knowledge of the card industry, card schemes (Visa, Mastercard, JCB, etc.), and relevant regulatory requirements. • Strong analytical skills with the ability to assess business performance, generate customer insights, and recommend data-driven solutions. • Strong stakeholder management, project management, problem-solving, and product thinking capabilities. • Good command of English, both written and verbal.