Product Manager - Payments and Debit Card

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 - To drive ATM channel P&L PAN India- Ensure ATM profitability by selecting strategic locations for placements- Review existing portfolio of ATMs and suggest relocation strategy for non-performing ATMs- Implementation of new revenue opportunities and lead generation capabilities for ATMs- Ensure all projects with respect to ATMs are completed with the defined timelines- Ensure all ATM are compliant with all the local as well as regional guidelines- Lead the on-going switch migration project and ensure seamless migration of ATMs without any customer impactThe position ensures: Complete and overarching view and ownership of the PAN India ATM channelsKey Accountabilities Accomplish all responsibilities in relation to:Ensuring all ATM requirements are budgeted for and expenses are well within the defined budgetImplement fresh avenues for capturing leads through ATM channel and increase the productivity of the channelImplement fresh revenue streams for ATMs to increase the overall profitabilityReview competition best practices and implement the same to reduce ATM overheadsLiaise with internal and external stakeholders to ensure highest uptime for ATM as per regional standardsAdherence with Ops, control groups, technologyEnsure all ATMs are maintained as per the organization standards and record deviationsAct as Business Liaison with external stakeholders including RBI, IBA, UIDAI, NPCIJob Duties & responsibilities Engage and build cross sell opportunities of existing products through PAN India ATM channels.Design customer journey while implementing new functionalities to increase ATM productivityDeveloping and updating procedures, policies, controls, and monitoring plans for ATM businessAssist in the definition of project scope and objectives, involving all relevant stakeholders and ensuring technical feasibility for ATMsBusiness SPOC for Internal & External Audits and ensuring minimum satisfactory ratingsCampaign management: Ideate, create and run campaigns for driving ATMDefine business requirement and work with technology teams to launch offerings via liaison with Internal & External partnersManage the P&L responsibility (including increasing revenue through transactions, exit strategy, reducing costs, increasing Offus fees etc.)Conduct market analysis, feasibility studies and trend analysis to keep abreast of industry development and identify opportunitiesWork with Marketing to develop and implement customer contact strategies and marketing tools to support acquisition, retention and cross sale activitiesMonitor industry, market, competitor and regulatory trends to ensure that opportunities and risks are identified and appropriate plans are implemented Required Experience 13 Years + experience in managing 1000+ ATMsExperience in designing Customer Journeys for alternate channelsProficiency in MS Excel/Power pointEducation / Preferred Qualifications MBA from a reputed institute preferredMinimum requirement: Graduate degreeCore Competencies Project ManagementVendor Management & good RelationshipNegotiationEffective listeningStrong influencing and people managementTechnically sound in managing end to end ATMsStakeholder ManagementLeadership skills in managing a team of skilled membersCommunications SkillsDrive for resultsAbility to work in an environment of changing requirementsTechnical Competencies Relevant experience in Banking productsMarket and Competitive knowledgeWorking knowledge of mobile apps would be added advantageWork Relationship Will be working across verticals LCS, GSMC, T&O and Customer service.Will be reporting into the ATM Product Head.,

Keyskills :
marketingsalesproduct developmentproduct managementdeliverypersonal loansexternal audittrend analysislead generationmarket analysisrevenue streamsbanking productsconsumer bankingcustomer contactvendor managementpeople managementleadership