About the Bank:
We are living in dynamic times. Technology is reshaping how we live, and we want to use it to redefine how financial services are offered. GXS Bank is a forward-thinking financial institution that aims to provide innovative solutions to our customers. We believe in the power of technology and data to drive financial inclusion and create a positive impact in our community.
Responsibilities
- Strategic Business & P&L Leadership: Serve as the P&L owner and ultimate business manager for the Credit Card portfolio. This involves aggressive target setting and driving the end-to-end financial performance (revenue, cost, and risk metrics) with a critical focus on maximizing high-quality revenue streams by accelerating installment and revolve balance growth. Lead strategic initiatives across customer acquisition, usage, and cross-sell to ensure aggressive growth targets are met.
- Product Commercialization & Innovation: Lead the end-to-end delivery and commercialization of new credit card products and features. This involves developing robust P&L forecasts, managing requirement scoping, securing risk clearance, and coordinating across all stakeholders (including card scheme negotiation) to ensure launches achieve defined business and financial outcomes.
- External Partner and Scheme Management: Oversee commercial and legal contracts and manage relationships with key card schemes and service providers to drive commercial value and identify optimization opportunities.
- Data-Driven Performance Management: Conduct deep analytical dives into card portfolio performance and transaction trends, translating data into actionable strategies that optimize P&L drivers, acquisition funnels, and usage patterns.
- Risk & Financial Oversight: Work closely with the risk function to maintain a robust risk management framework and manage operational budget allocation and P&L projections, ensuring sound financial planning and compliance.
- Regulatory & Compliance Adherence: Stay informed about regulatory developments and industry trends (especially MAS) to ensure full compliance with laws and standards related to payments and card operations.
- Stakeholder Communication: Communicate effectively with senior internal stakeholders, providing strategic updates, insights, and decisive recommendations related to card business strategy and financial performance.
Requirements:
- Mandatory 8+ years of deep, proven experience in Credit Card P&L management, business strategy, or portfolio management within retail banking or fintech.
- Demonstrated success in driving revenue growth, specifically through initiatives focused on installment and revolving balance acceleration.
- Exceptional analytical and data-driven problem-solving skills with a clear track record of using data to drive commercial outcomes and manage key P&L drivers.
- Strong understanding of the card lifecycle, digital product development, and portfolio risk management.
- Excellent communication, negotiation, and stakeholder management skills, with the ability to manage relationships with senior management.
- Familiarity with MAS regulations related to cards and payments.
- Confident, independent, self-driven, and highly motivated individual who thrives in a fast-paced environment with a strong sense of ownership and accountability.
