First Capital Bank

Career Opportunity

Product Manager – Cards & Payments, Group

Reporting to the Head of Products – Cards & Payments, the Product Manager will collaborate with business and product owners across the Group to drive data-driven decision-making, performance reporting, and market monitoring for Cards Issuing and Acquiring. The role plays a critical part in shaping the Group’s Cards & Payments strategy through analytics, insight generation, and innovative product development.

Key Responsibilities

Data Analytics & Performance Reporting

• Conduct in-depth analysis of data from multiple sources to support reporting and performance tracking for both card issuing and acquiring.
• Track customer behaviour and engagement trends to drive top-of-wallet initiatives.
• Apply statistical modelling to assess revenue and profitability impacts.

Market Intelligence & Industry Monitoring

• Analyse industry trends across key markets and monitor regulatory developments.
• Conduct competitor assessments to identify market gaps and emerging opportunities.

Product Development & Strategy Support

• Assist in drafting business cases for new products and enhancements.
• Provide insights and recommendations to improve existing and new processes.
• Support budget preparation and ongoing monitoring.

Pricing & Profitability Management

• Recommend pricing strategies aligned to market dynamics and customer segments.
• Develop dynamic pricing models based on interchange fees for issuing and acquiring.
• Work closely with Visa and Mastercard to monitor monthly and quarterly billing.

Stakeholder & Scheme Management

• Liaise with Cards Schemes (Visa, Mastercard) on billing accuracy, reporting, and market insights.
• Collaborate with internal business units across the Group to ensure smooth product performance and alignment.

Skills, Knowledge, and Competencies:

• Strong proficiency in statistical methods, data analytics, and financial modelling.
• Comprehensive understanding of the Cards business (issuing and acquiring), including interchange and billing structures.
• Ability to use Business Intelligence tools such as Tableau and Power Bl.
• Advanced proficiency in Microsoft Excel and other MS Office applications.
• Strong analytical, communication, and problem-solving skills.
• Ability to stay up-to-date with industry trends and recommend innovative product enhancements.

Qualifications and Experience

• Bachelor’s degree in Mathematics, Statistics, Finance, Economics, or related field.
• Minimum of 5 years’ experience in the Cards & Payments industry or in a similar product management role.

• Conduct in-depth analysis of data from multiple sources to support reporting and performance tracking for both card issuing and acquiring.
• Track customer behaviour and engagement trends to drive top-of-wallet initiatives.
• Apply statistical modelling to assess revenue and profitability impacts.
• Analyse industry trends across key markets and monitor regulatory developments.
• Conduct competitor assessments to identify market gaps and emerging opportunities.
• Assist in drafting business cases for new products and enhancements.
• Provide insights and recommendations to improve existing and new processes.
• Support budget preparation and ongoing monitoring.
• Recommend pricing strategies aligned to market dynamics and customer segments.
• Develop dynamic pricing models based on interchange fees for issuing and acquiring.
• Work closely with Visa and Mastercard to monitor monthly and quarterly billing.
• Liaise with Cards Schemes (Visa, Mastercard) on billing accuracy, reporting, and market insights.
• Collaborate with internal business units across the Group to ensure smooth product performance and alignment.

• Strong proficiency in statistical methods, data analytics, and financial modelling.
• Comprehensive understanding of the Cards business (issuing and acquiring), including interchange and billing structures.
• Ability to use Business Intelligence tools such as Tableau and Power Bl.
• Advanced proficiency in Microsoft Excel and other MS Office applications.
• Strong analytical, communication, and problem-solving skills.
• Ability to stay up-to-date with industry trends and recommend innovative product enhancements.

• Bachelor’s degree in Mathematics, Statistics, Finance, Economics, or related field.
• Minimum of 5 years’ experience in the Cards & Payments industry or in a similar product management role.