Job Description
Business Function
As the leading bank in Asia, DBS Consumer Banking Group is in a unique position to help our customers realise their dreams and ambitions. As a market leader in the consumer banking business, DBS has a full spectrum of products and services, including deposits, investments, insurance, mortgages, credit cards and personal loans, to help our customers realise their dreams and aspirations at every life stage. Our financial solutions are not only the best in the business – they were made just right for you.
Job Purpose
EMI Product Manager is to oversee and manage entire Term Book of Credit card portfolio. The role plays a vital part in success and growth of EMI book & Credit Card business
Key Accountabilities
1. Developing and implementing strategies to drive growth and profitability of the EMI portfolio.
2. Monitoring and analyzing portfolio performance, including delinquency rates, default rates, and profitability metrics.
3. Identifying risks and opportunities within the portfolio and taking appropriate actions to mitigate risks and capitalize on opportunities.
4. Collaborating with various teams, such as risk management, marketing, and finance, to optimize portfolio performance.
5. Creating and maintaining relationships with partner banks or financial institutions for EMI program collaborations.
Job Duties & responsibilities
1. Portfolio Performance: Monitor and analyze the performance of the credit card EMI portfolio, including key metrics such as EMI utilization, conversion rates, and revenue generation. Identify trends and insights to drive portfolio growth and profitability.
2. Product Development: Collaborate with stakeholders to design and launch new EMI offerings that meet customer needs and align with market demand. Continuously innovate the EMI product suite to maintain a competitive edge.
3. Risk Management: Develop and implement risk management strategies to assess and mitigate credit risks associated with EMI transactions. Monitor delinquency rates and implement measures to minimize credit losses.
4. Customer Segmentation: Segment the customer base to understand their preferences and behaviours related to EMI usage. Use customer insights to tailor EMI offerings and marketing strategies.
5. Marketing and Promotions: Work closely with marketing teams to design targeted campaigns to promote EMI usage and increase EMI adoption among credit cardholders.
Required Experience
1. Proven experience in credit card portfolio management, product management, or related financial services roles, with a focus on EMI products.
2. Strong analytical and problem-solving skills, with the ability to translate data into actionable insights.
3. In-depth knowledge of credit card EMI industry trends, regulations, and best practices.
Education / Preferred Qualification
Bachelor's degree in Business, Finance, Economics, or a related field; Master's degree preferred.
Core Competencies
1. Financial Acumen
2. Product Knowledge
3. Marketing & sales
4. Relationship Management
5. Communication Skills
Technical Competencies
1. Financial Analysis: Proficiency in financial analysis is crucial to understand portfolio performance, assess profitability, and identify trends that may impact the credit card portfolio.
2. Risk Management: A strong grasp of risk management principles is essential to develop strategies that minimize credit losses and maintain a healthy credit quality within the portfolio.
3. Data Analysis and Interpretation: Ability to work with large datasets, perform data analysis, and draw meaningful conclusions from the data to make data-driven decisions.
4. Credit Card Industry Knowledge: In-depth knowledge of the credit card industry, including industry trends, regulatory landscape, and best practices, is necessary to stay competitive and compliant.
5. Marketing and Promotions: Familiarity with marketing principles, including customer segmentation and targeting, to design effective marketing campaigns an
Work Relationship
1.Cross-functional Teams: Collaborate with various teams within the organization, such as risk management, marketing, finance, product development, and operations.
2. Senior Management: Interact with senior management, including executives and directors, to provide regular updates on portfolio performance, risk assessments, and strategic recommendations.
3. Compliance and Legal Teams: Partner with compliance and legal teams to ensure that all credit card offerings and portfolio management practices comply with relevant regulations and legal requirements.
4. Customer Service Teams: Engage with customer service teams to gain insights into customer feedback, complaints, and satisfaction levels.
5. External Partners and Vendors: Establish relationships with external partners and vendors, such as credit bureaus, payment processors, and technology providers.
Primary Location: India-Maharashtra-Mumbai
Job: Product Management
Schedule: Regular
Employee Status:
Full-time
:
Job Posting: Jul 17, 2026, 10:44:03 AM
As the leading bank in Asia, DBS Consumer Banking Group is in a unique position to help our customers realise their dreams and ambitions. As a market leader in the consumer banking business, DBS has a full spectrum of products and services, including deposits, investments, insurance, mortgages, credit cards and personal loans, to help our customers realise their dreams and aspirations at every life stage. Our financial solutions are not only the best in the business – they were made just right for you.
Job Purpose
EMI Product Manager is to oversee and manage entire Term Book of Credit card portfolio. The role plays a vital part in success and growth of EMI book & Credit Card business
Key Accountabilities
1. Developing and implementing strategies to drive growth and profitability of the EMI portfolio.
2. Monitoring and analyzing portfolio performance, including delinquency rates, default rates, and profitability metrics.
3. Identifying risks and opportunities within the portfolio and taking appropriate actions to mitigate risks and capitalize on opportunities.
4. Collaborating with various teams, such as risk management, marketing, and finance, to optimize portfolio performance.
5. Creating and maintaining relationships with partner banks or financial institutions for EMI program collaborations.
Job Duties & responsibilities
1. Portfolio Performance: Monitor and analyze the performance of the credit card EMI portfolio, including key metrics such as EMI utilization, conversion rates, and revenue generation. Identify trends and insights to drive portfolio growth and profitability.
2. Product Development: Collaborate with stakeholders to design and launch new EMI offerings that meet customer needs and align with market demand. Continuously innovate the EMI product suite to maintain a competitive edge.
3. Risk Management: Develop and implement risk management strategies to assess and mitigate credit risks associated with EMI transactions. Monitor delinquency rates and implement measures to minimize credit losses.
4. Customer Segmentation: Segment the customer base to understand their preferences and behaviours related to EMI usage. Use customer insights to tailor EMI offerings and marketing strategies.
5. Marketing and Promotions: Work closely with marketing teams to design targeted campaigns to promote EMI usage and increase EMI adoption among credit cardholders.
Required Experience
1. Proven experience in credit card portfolio management, product management, or related financial services roles, with a focus on EMI products.
2. Strong analytical and problem-solving skills, with the ability to translate data into actionable insights.
3. In-depth knowledge of credit card EMI industry trends, regulations, and best practices.
Education / Preferred Qualification
Bachelor's degree in Business, Finance, Economics, or a related field; Master's degree preferred.
Core Competencies
1. Financial Acumen
2. Product Knowledge
3. Marketing & sales
4. Relationship Management
5. Communication Skills
Technical Competencies
1. Financial Analysis: Proficiency in financial analysis is crucial to understand portfolio performance, assess profitability, and identify trends that may impact the credit card portfolio.
2. Risk Management: A strong grasp of risk management principles is essential to develop strategies that minimize credit losses and maintain a healthy credit quality within the portfolio.
3. Data Analysis and Interpretation: Ability to work with large datasets, perform data analysis, and draw meaningful conclusions from the data to make data-driven decisions.
4. Credit Card Industry Knowledge: In-depth knowledge of the credit card industry, including industry trends, regulatory landscape, and best practices, is necessary to stay competitive and compliant.
5. Marketing and Promotions: Familiarity with marketing principles, including customer segmentation and targeting, to design effective marketing campaigns an
Work Relationship
1.Cross-functional Teams: Collaborate with various teams within the organization, such as risk management, marketing, finance, product development, and operations.
2. Senior Management: Interact with senior management, including executives and directors, to provide regular updates on portfolio performance, risk assessments, and strategic recommendations.
3. Compliance and Legal Teams: Partner with compliance and legal teams to ensure that all credit card offerings and portfolio management practices comply with relevant regulations and legal requirements.
4. Customer Service Teams: Engage with customer service teams to gain insights into customer feedback, complaints, and satisfaction levels.
5. External Partners and Vendors: Establish relationships with external partners and vendors, such as credit bureaus, payment processors, and technology providers.
Primary Location: India-Maharashtra-Mumbai
Job: Product Management
Schedule: Regular
Employee Status:
Full-time
:
Job Posting: Jul 17, 2026, 10:44:03 AM
💡 Quick Summary
Seeking a career-building opportunity? The Product manager| Credit card position is now open for candidates interested in the Bank Jobs sector. This role in Mumbai offers a professional environment and growth potential.
Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in Bank Jobs is a plus.
