Product Manager (Credit Card Origination & Digital Card Platform)
- Idexcel
- 7 - 12 years
- Bengaluru
- 6 days ago
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Job Description
Job Description:
Product Manager Credit Card Origination & Digital Card Platform
Experience: 712+ Years in Banking/FinTech Product Management
Employment Type: Full-Time
About the Role
We are seeking an experienced Product Manager to lead the end-to-end strategy, roadmap, and execution of our Commercial and Consumer Credit Card Origination Platform, including customer acquisition, underwriting workflows, compliance, credit policy automation, card booking to core, and digital card issuance. This role will drive the product vision to build a modern, AI-enabled, configurable credit card origination and lifecycle platform for banks and financial institutions.
You will work closely with Engineering, Compliance, UX, Core Banking Integration, and Client Stakeholders to deliver highly scalable, compliant, and differentiated credit card origination experiences across Admin, Back-Office (Record), and Customer Portal journeys.
Key Responsibilities
Product Strategy & Roadmap
- Own and define the product vision, strategy, and roadmap for commercial and consumer credit card origination.
- Conduct market research on card origination platforms, digital onboarding, BNPL, and embedded credit offerings to ensure product competitiveness.
- Prioritize features balancing regulatory needs, business value, customer experience, and tech scalability.
Product Capabilities & Feature Ownership
You will be responsible for defining and delivering the following capabilities:
Admin (Configuration & Compliance Layer)
- Product Terms Builder (APR, fees, limits, pricing rules, disclosures).
- Compliance and Regulatory Validation framework (Reg B, Z, FCRA, AML/KYC, UDAAP).
- Anchor/Template creation for reusable onboarding journeys.
- Journey/Workflow Builder with configurable nodes:
- Workflow Builder UI
- Field Capture Nodes
- Integration Nodes (Income/Employment Verification, KYC/AML providers)
- Decision Nodes (automated underwriting)
- Credit Limit & APR Calculation rules engine.
- End-to-end Compliance Checks embedded in the workflow.
Record (Internal Ops & Underwriting Platform)
- Credit Card record creation and application intake.
- Income & Employment Verification integration flows.
- Automated + Manual Review flows for underwriting and exceptions.
- Approval/Decline workflows with Adverse Action Notices.
- Card Agreement/document generation & disclosure automation.
- Booking to Core Banking platform & Card Processor integration.
- Post-approval steps: Booked Credit Cards, Digital Card Issuance, Assign/Activate Card.
Customer Portal (Digital Experience)
- Multi-product credit card catalog with comparison view.
- Terms & Conditions access and pre-application qualification.
- Pre-approval flows, including no-login application journey.
- Full application workflow for credit cards, deposits, and bundled products.
- Card design selection & instant Digital Card issuance.
- Authorized User additions & post-approval account onboarding.
Execution & Delivery
- Translate credit policy, compliance, and business rules into product requirements (PRDs, BRDs, User Stories, Acceptance Criteria).
- Partner with Engineering to ensure scalable, secure, and modular product architecture.
- Work closely with UI/UX to create frictionless consumer and commercial onboarding experiences.
- Coordinate sprint planning, backlog prioritization, grooming, and cross-team alignment.
- Define product success metrics (conversion, approval rates, time-to-decision, NIGO reduction).
Stakeholder & Partner Collaboration
- Collaborate with Compliance, Legal, Credit Risk, and Card Operations to ensure regulatory adherence across origination workflows.
- Work with ecosystem partners (credit bureaus, KYC/AML vendors, card processors, core banking providers, digital wallet providers).
- Present roadmap updates and product health to leadership and banking clients.
Required Skills & Experience
- 712+ years of Product Management experience in Banking, FinTech, Cards, Lending, Onboarding, or Core/Payment systems.
- Strong understanding of credit card lifecycle, including origination, underwriting, booking, servicing, and dispute/regulatory requirements.
- Experience with credit underwriting and decisioning logic, income/employment verification, credit bureau integrations, and KYC/AML.
- Familiarity with regulatory requirements for credit cards:
- Reg B, Reg Z, FCRA, ECOA, UDAAP, Truth in Lending, Fair Credit Billing Act.
- Experience with configurable workflow/journey builders, decision engines, or low-code automation platforms.
- Ability to write high-quality requirements, user stories, and acceptance criteria with banking-level precision.
- Strong technical acumen, working knowledge of APIs, integrations, and core system/data flows.
Preferred / Nice to Have
- Experience with Agentic AI or AI-driven underwriting and onboarding automation.
- Experience integrating with card processors (e.g., FIS, Fiserv, TSYS, Marqeta, Galileo).
- Prior experience with deposit onboarding, cross-sell journeys, or multi-product decisioning.
- Exposure to credit policy automation platforms or decision engines (e.g., Zoot, Provenir, Alloy, FICO, Experian PowerCurve).
What We Offer
- Opportunity to build a next-generation AI-first credit card origination platform for banks and financial institutions.
- Ability to influence foundational product architecture, customer experience, and compliance automation.
- Competitive compensation, performance bonus, and growth into Director of Product Cards & Payments.
Regards
Jhansi Rani Gandareddy
8861208***
jh*********g@id****l.com
Job Classification
Industry: Software ProductFunctional Area / Department: BFSI, Investments & TradingRole Category: BFSI, Investments & Trading - OtherRole: BFSI, Investments & Trading - OtherEmployement Type: Full timeContact Details:
Company: IdexcelLocation(s): Bengaluru
Keyskills: APR Credit Card Loan Origination fees pricing rules KYC Commercial and Consumer Credit Card Origination disclosures Loan Servicing Origination limits
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