Full Time Head of Biker-Business Card Product Management Jobs, in AEON Credit Service (M) Berhad Federal Territory - Maukerja

Main Purpose of Job

• Lead Product Management Section, Acquisition Section & Privilege Merchant Section.
• Develop and execute marketing strategies & initiatives to ensure the achievement of Biker/Biz Cards Product’s Sales, Receivables, Profit & Loss, Asset Quality and Card in Circulation (CIC) according to Company’s KPI.
• Grow credit card market share of key KPIs (e.g., sales, receivables, CIC) via the right product mix, product proposition and positioning to stay competitive and relevant.
• Monitoring of marketing budget spent to ensure cost is optimized.
• Ensure clarify and accuracy of customer communications and timely communication to frontlines ahead of launch of new initiatives/ projects/ campaigns.
• Ensure daily operations are in compliance to related regulatory body and internal policy

Principle responsibilities & duties

Product Management Section:

• Manage and ensure Biker card product features remains competitive and is align to the lifestyle and market trend appeal of this customer segment, with introduction of enhancements and/ or new initiatives .
• Develop targeted campaigns, initiatives and/or collaborate with EP Merchants to design privilege merchant promotions to drive card acquisition, usage and/ or activation of the card through the EP Merchant channel.
• Monitor and review product performance and profitability.
• Managing of card stock, card stationeries, marketing collaterals, accuracy of PDS and cardholder T&C/agreement.
• Collaborate with internal key stakeholders to develop and implement new product initiatives/ projects that is align to business objectives.
• Regularly assess market competition, market trend and competitive information to gauge competitiveness and effectiveness of product propositions.
• Ensure compliance to related regulatory body and internal policy

Acquisition Section:

• Build-up, expand and engage the Easy Payment (EP) Merchants as the core channel for acquisition of Biker card to forge a strong partner network.
• Implement acquisition strategies and campaigns to grow credit card base.
• Manage and work closely with sales channels to ensure card issuance achievement are in line with KPI.
• Analyse the performance of channels for sales channels development/growth.
• Work closely with credit assessment department for approval ratio area improvement.
• Identify opportunities on credit criteria/ policy to improve customer on-boarding experience and card approval.
• End-to-end campaign management - campaign development/approval, communication and fulfilment.
• Managing of aggregator performance and review and overall reporting of acquisition performance & tracking
• Work closely with Marketing team to drive digital acquisition including fine tuning the funnel and criteria to ensure better targeting and conversion

Privilege Merchant Section:

• Responsible to source potential new EP merchants, renew and retain sustainable base of branded/ populist merchants to grow privilege merchant base.
• Develop and enhance strategies to grow EP merchant base and maintain good relationship with strategic EP merchants.
• End-to-end campaign management - campaign development/approval, communication and fulfilment.
• Track, monitor, and review merchant offers or joint campaigns to increase effectiveness for improvement & optimization.