Company: 2201 United Overseas Bank (Malaysia) Bhd
About UOB
United Overseas Bank Limited (UOB) is a leading bank in Asia with a global network of more than 500 branches and offices in 19 countries and territories in Asia Pacific, Europe and North America. In Asia, we operate through our head office in Singapore and banking subsidiaries in China, Indonesia, Malaysia and Thailand, as well as branches and offices. Our history spans more than 80 years. Over this time, we have been guided by our values – Honorable, Enterprising, United and Committed. This means we always strive to do what is right, build for the future, work as one team and pursue long-term success. It is how we work, consistently, be it towards the company, our colleagues or our customers.
Job Description
- Drive the overall growth, profitability, and performance of the Credit Card portfolio.
- Oversee product economics, process design, and initiatives to achieve net customer growth.
- Collaborate closely with Sales, Distribution, Operations, Finance, and other support teams.
- Conceptualize, propose, design, and launch new credit card products and product variants.
- Ensure systems, processes, audit requirements, risk controls, and legal approvals are in place for all product launches.
- Monitor product performance, customer behavior, and portfolio trends to identify improvement areas.
- Enhance existing products with new features based on market needs and competitive landscape.
- Support and resolve customer or partner related queries on product features and promotions.
- Build and manage partnerships to strengthen customer value propositions.
- Lead negotiations to secure favorable contracts and optimize partner assets and engagement programs.
- Execute retention strategies such as proactive waivers, loyalty levers, and targeted offers to reduce attrition.
- Drive initiatives to support net client growth across the unsecured lending portfolio.
- Monitor rewards cost, feature cost, and overall expense performance to ensure optimal cost‑to‑benefit ratios.
- Identify opportunities for cost optimization and efficiency improvements.
- Plan and execute campaigns, promotions, and marketing levers to enhance product acquisition and usage.
- Ensure strict compliance with regulatory requirements, internal policies, and operational guidelines.
- Review and update product policies, procedures, and regulatory mandates as needed.
Job Requirements
- Bachelor’s degree in Business, Marketing, Finance, or a related field.
- At least 8-10 years of experience in credit card product management, payments, consumer banking, or unsecured lending.
- Proven experience in leading a small team, mentoring, and driving performance outcomes.
- Strong understanding of credit card portfolio economics, customer lifecycle, product features, and competitive landscape.
- Demonstrated ability to drive product development, enhancements, and go‑to‑market initiatives.
- Strong analytical and problem‑solving skills with the ability to interpret data and make strategic recommendations.
- Strong communication skills with the ability to influence stakeholders across functions.
- Ability to manage multiple priorities in a fast‑paced environment.
- High level of integrity and strict adherence to regulatory and compliance requirements
Additional Requirements
Be a Part of the UOB Family
UOB is an equal opportunity employer. UOB does not discriminate on the basis of a candidate's age, race, gender, color, religion, sexual orientation, physical or mental disability, or other non-merit factors. All employment decisions at UOB are based on business needs, job requirements and qualifications. If you require any assistance or accommodations to be made for the recruitment process, please inform us when you submit your online application.
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