Business Head - Credit Cards

As the Business Head - Credit Cards, your role will involve overseeing the strategic growth and development of the secured credit card business, focusing on Fixed Deposit-backed credit cards. You will be responsible for designing and executing strategies to scale the business through both digital acquisition and traditional offline distribution channels, ensuring a seamless customer journey from 0 to 1. The ideal candidate for this role will be a visionary leader with experience in scaling products through innovative digital and offline strategies while maintaining operational excellence. Key Responsibilities: - Lead the development and execution of the overall business strategy for secured credit cards, particularly focusing on Fixed Deposit-backed credit cards. - Create and implement a roadmap for scalable growth, utilizing both digital acquisition (online channels, social media, SEO) and offline distribution (branch network, agents, partnerships). - Identify opportunities for expanding the customer base through innovative acquisition strategies targeting specific customer segments. - Oversee the entire product lifecycle for Fixed Deposit-backed credit cards, ensuring alignment with customer needs, competitive trends, and regulatory guidelines. - Collaborate with digital teams to develop an integrated digital acquisition journey that enhances online sign-up and product activation. - Drive scalable growth through online and offline channels to maximize customer acquisition and retention. - Take ownership of the P&L for the secured credit card segment, ensuring revenue and cost targets are met while efficiently scaling the business. - Lead the transformation of the customer experience by integrating digital tools and improving the overall 0 to 1 journey. - Ensure compliance with regulatory requirements for secured credit cards and monitor credit risk practices, especially for Fixed Deposit-backed offerings. - Build and lead a high-performance team across various functions and foster a collaborative environment for effective execution of strategies. - Work closely with senior leadership, internal stakeholders, and external partners to align on objectives, timelines, and KPIs for the secured credit card business. - Utilize data analytics to measure and track key business metrics, optimize marketing spend, and refine acquisition strategies. Required Qualifications & Skills: - Education: Bachelors degree in Business, Finance, Economics, or related field. MBA or advanced degree is a plus. - Proven expertise in driving digital acquisition strategies and scaling products across online and offline channels. - Extensive experience in managing Fixed Deposit-backed credit cards, including product design, marketing, risk management, and compliance. - Strong understanding of secured credit products, with specific experience in Fixed Deposit-backed credit cards and credit risk. - Demonstrated ability to design and execute end-to-end customer journeys (0-1) with a focus on digital onboarding and activation. - Proficiency in managing P&L, budgeting, and driving business growth. - Expertise in digital marketing, online customer acquisition, and omnichannel distribution strategies. - Excellent leadership, communication, and interpersonal skills. - Ability to think strategically while driving hands-on execution. Preferred Skills: - Experience in driving digital transformation within financial products. - Expertise in managing multichannel distribution such as branches, digital, agents, partnerships. - Familiarity with regulatory frameworks and consumer protection laws for secured credit products.,