Digital Product Lead – Card Issuance

About the Role:

Card Issuance Product.

Key Responsibilities:

✅ Mobile App & Digital Journey Ownership

• Own all card-related customer journeys within the bank’s mobile application and digital platforms—including onboarding, issuance, activation, PIN setting, transaction views, blocking, replacements, limits, and more.
• Continuously improve user flows for all card types
• Ensure UI/UX consistency, responsiveness, and seamless integration with backend systems.

✅ Strategy & Roadmap

• Define the vision, strategy, and product roadmap for the card issuance portfolio across consumer and commercial segments.
• Stay ahead of industry trends, regulatory requirements, and emerging technologies to shape product direction.

✅ Partnerships & Ecosystem

• Manage relationships with card schemes (Visa, Mastercard, Rupay, etc.), processors, BIN sponsors, and technology providers.
• Collaborate with issuing partners, fraud/risk teams, operations, and regulatory bodies to ensure secure and compliant products.

✅ Customer-Centric Innovation

• Identify customer pain points and market opportunities to develop differentiated features like virtual cards, instant issuance, embedded controls, loyalty, etc.
• Gather customer feedback, monitor competitive products, and iterate based on data-driven insights.

✅ Regulatory & Risk Oversight

• Ensure compliance with all local and international card issuance regulations.
• Partner with internal risk and compliance teams to manage fraud, chargebacks, AML, and KYC/Onboarding aspects.

✅ Product Development & Lifecycle Management

• Lead end-to-end product development from concept to launch, including feature definition, UX, compliance, and go-to-market plans.
• Manage the lifecycle of card products, ensuring they meet performance, profitability, and customer satisfaction targets.

Key Skills Required:

• Strong understanding of card issuing infrastructure, processors, card networks, BIN management, settlement, and chargebacks.
• Demonstrated experience building and scaling successful card products (physical and digital).
• Experience in managing teams and working cross-functionally in matrixed organizations.
• Strategic thinker with strong analytical and problem-solving skills.
• Deep understanding of the card value chain, including risk, compliance, and operations
• Customer-obsessed with a passion for innovation in financial services.
• Excellent communication, stakeholder management, and leadership skills.
• Familiarity with agile product development methodologies.
• Strong experience in

  mobile app product management

  , with full ownership of user-facing journeys.

Good to Have:

• Experience in cards, fintech, banking, or consumer tech products.
• Exposure to UPI, BBPS, NCMC, or tokenization-based journeys.
• Prior work on self-serve app features, in-app nudges, and customer lifecycle interventions.