Program Manager- Cobrand credit cards

Role: Program Manager- Cobrand Cards

Location: Mumbai-Goregaon-Infinity IT Park

Department: Credit Card

Role Overview

The Co-Brand Credit Card Manager is responsible for driving growth, engagement, and profitability for the organizations co-branded credit card portfolio. This role manages partner relationships, product strategy, customer acquisition initiatives, and ongoing portfolio performance to deliver strong business results.

Key Responsibilities

1. Partnership Management

• Serve as the primary point of contact for co-brand partner(s)
• Manage day-to-day partner interactions, governance meetings, and long-term strategic planning
• Ensure compliance with co-brand agreements, brand guidelines, and regulatory obligations

2. Product & Portfolio Management

• Define and enhance the co-brand credit card value proposition, rewards structure, and customer benefits
• Build a digital onboarding journey
• Monitor portfolio KPIs including acquisitions, activation, spends, attrition, credit performance, and profitability
• Conduct market research to identify trends and competitive benchmarking

3. Marketing & Acquisition

• Develop and execute integrated marketing campaigns across digital, in-store, on-site, and partner channels
• Optimize customer acquisition funnels, partner promotions, and cross-sell opportunities
• Collaborate with marketing, analytics, and partner teams to improve targeting and ROI

4. Customer Experience & Engagement

• Improve customer journey from onboarding to long-term engagement
• Drive usage of card benefits, rewards redemption, and partner ecosystem engagement
• Work with CX and operations teams to enhance service levels and reduce customer friction

5. Financial & Risk Management

• Track financial performance: revenue, cost of acquisition, rewards liability, and profitability
• Support credit policies, underwriting strategies, and risk monitoring
• Prepare executive reports and business reviews with data-backed insights

Qualifications

• Bachelor’s degree required; MBA preferred from top tier college
• 10-12 years of experience in cards, payments, partnerships, or product management.
• Strong analytical and financial acumen; ability to work with data/BI tools.
• Excellent communication, negotiation, and relationship-building skills.
• Experience in credit cards, fintech, banks, or loyalty programs is a plus.

Key Skills

• Partnership & stakeholder management
• Creating customer Journeys- Understanding of Tech
• Risk and Policy framework for underwriting
• Customer experience design
• Marketing strategy & campaign execution
• Data interpretation & portfolio analytics
• Negotiation & project management
• Product lifecycle management