Senior Product Manager: Commercial Issuing

Own assigned Commercial Issuing products from opportunity identification through development, launch, growth, optimisation and retirement

Define product vision, target market, value proposition and commercial outcomes; secure governance, funding, risk and technology approvals

Own or materially influence product P&L: pricing, transaction revenue, margins, operating costs, budgets and forecasts

Analyse active cards, activation, spend, transaction yield, retention and cost to serve; drive revenue-growth and cost-optimisation plans

Develop business cases quantifying revenue, savings, costs, ROI and payback; track benefits after implementation

Design propositions for business clients’ payment, working-capital, control, reporting and reconciliation needs

Build evidence-based roadmaps and make defensible prioritisation decisions under capacity and funding constraints

Lead cross-functional delivery through Technology, Operations, Sales, Finance, Risk, Compliance, Legal, Fraud and Credit

Manage go-to-market readiness, product migrations and closures with controlled customer impact

Ensure products operate within legal, regulatory, scheme, credit, fraud, conduct and operational-risk requirements

Engage bankers, clients, card schemes, processors and technology partners; present to senior governance forums

Bachelor’s degree or advanced diploma in Business, Commerce or Management Studies (required)

Strong product-management discipline across the full product lifecycle

Practical knowledge of the commercial card and business-payments ecosystem

Demonstrable P&L capability: pricing, transaction revenue, margins, forecasting and benefits realisation

Track record of personal accountability for product validation, business cases, approvals, delivery and post-launch measurement

Ability to secure outcomes through cross-functional teams with competing priorities, with minimal supervision

Understanding of product governance, scheme rules, fraud and conduct risk