Phillip Bank

Senior Manager, Cards Development

Hidden GemGeneralPosted 2 mo ago

Location

Doun Penh | Phnom Penh

Job Type

FULLTIME

Experience

8+ Years

Work Mode

On-site

Industry

Banking/Finance

About the role

The Senior Manager, Cards Development is responsible for driving the end-to-end commercial strategy, profitability, and growth of Phillip Bank's debit and credit card portfolio.
This role combines strategic product leadership with hands-on P&L accountability, credit policy oversight, and cross-functional collaboration to deliver best-in-class card products to our customers.
Full P&L ownership of the Bank’s debit and credit card portfolio, including revenue (interchange, fees, interest income), cost management, and profitability targets.
Develop and execute the commercial strategy for portfolio growth, activation, usage, and retention.
Establish and monitor KPIs including card issuance, activation rates, spend volumes, revolve rates, and fee income.
Define and continuously refine the card value proposition (i.e. benefits, pricing, features) to ensure market competitiveness.
Conduct market research, competitive benchmarking, and customer insights analysis to inform product roadmap decisions.
Identify and develop new card products, tiers, or features aligned with customer segments and objectives.
Oversee the credit underwriting frame for card products, including scorecard design, approval criteria, and limit-setting methodology.
Conduct monthly portfolio reviews and recommend adjustments to credit policy based on portfolio performance, delinquency trends, and risk appetite.
Partner with the Credit Risk Management team to balance growth objectives against acceptable risk thresholds.
Own the end-to-end customer journey across digital (app, web) and physical (branch, contact center) touchpoints -- from acquisition through onboarding, usage, servicing, and retention.
Identify friction points and drive continuous improvement in customer experience metrics (e.g. NPS, CSAT) Ensure seamless integration of card features within Phillip Bank's digital banking ecosystem. closely with Card Operations to ensure operational excellence in issuance, fulfilment, dispute management, and lifecycle processing.
Collaborate with Credit Risk Management on portfolio quality monitoring, collections strategy input, and policy calibration.
Partner with Marketing on go-to-market strategy for new products, campaigns, promotions, and customer communications.
Coordinate with Digital Banking and IT on system enhancements, digital capabilities, and integration with card schemes (Visa/Mastercard).
Liaise with Compliance and Legal to ensure all products and communications meet regulatory requirements (i.e. NBC guidelines).

Requirements

Bachelor's degree in , Finance, Economics, or related field.
MBA or equivalent postgraduate qualification is a plus.
8–10 years in banking & finance or fintech, with demonstrated experience in product management, development, or commercial roles.
Previous experience in card products (issuing or acquiring) is strongly preferred but not mandatory.
Strong proficiency in Excel (pivot tables, financial modelling) and data-driven decision-making.
Comfort with BI tools (e.g., Tableau, Power BI) is an advantage.
Proven ability in cross-functional project management from conception to launch, including customer journey mapping and process design.
Ability to influence and collaborate across multiple teams (risk, operations, technology, marketing) without direct authority.

Required Skills

FinanceEconomicsProduct ManagementProduct DevelopmentCommercial RolesCard Products (Issuing or Acquiring)ExcelPivot TablesFinancial ModellingData-driven decision-makingBI ToolsTableauPower BICross-functional Project ManagementCustomer Journey MappingProcess DesignInfluenceCollaborationTeamworkNegotiation

Compensation Details

Bonus:performance bonus, 13th month, Pchum Ben bonus

Benefits

Performance bonus
13th-month salary
Pchum Ben bonus (based on the bank's performance)
Insurance (al accident & term life insurance)

About Phillip Bank

Visit Website

Phillip Bank's debit and credit card portfolio offers best-in-class card products to customers.

Industry

Banking/Finance

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About the role

The Senior Manager, Cards Development is responsible for driving the end-to-end commercial strategy, profitability, and growth of Phillip Bank's debit and credit card portfolio.
This role combines strategic product leadership with hands-on P&L accountability, credit policy oversight, and cross-functional collaboration to deliver best-in-class card products to our customers.
Full P&L ownership of the Bank’s debit and credit card portfolio, including revenue (interchange, fees, interest income), cost management, and profitability targets.
Develop and execute the commercial strategy for portfolio growth, activation, usage, and retention.
Establish and monitor KPIs including card issuance, activation rates, spend volumes, revolve rates, and fee income.
Define and continuously refine the card value proposition (i.e. benefits, pricing, features) to ensure market competitiveness.
Conduct market research, competitive benchmarking, and customer insights analysis to inform product roadmap decisions.
Identify and develop new card products, tiers, or features aligned with customer segments and objectives.
Oversee the credit underwriting frame for card products, including scorecard design, approval criteria, and limit-setting methodology.
Conduct monthly portfolio reviews and recommend adjustments to credit policy based on portfolio performance, delinquency trends, and risk appetite.
Partner with the Credit Risk Management team to balance growth objectives against acceptable risk thresholds.
Own the end-to-end customer journey across digital (app, web) and physical (branch, contact center) touchpoints -- from acquisition through onboarding, usage, servicing, and retention.
Identify friction points and drive continuous improvement in customer experience metrics (e.g. NPS, CSAT) Ensure seamless integration of card features within Phillip Bank's digital banking ecosystem. closely with Card Operations to ensure operational excellence in issuance, fulfilment, dispute management, and lifecycle processing.
Collaborate with Credit Risk Management on portfolio quality monitoring, collections strategy input, and policy calibration.
Partner with Marketing on go-to-market strategy for new products, campaigns, promotions, and customer communications.
Coordinate with Digital Banking and IT on system enhancements, digital capabilities, and integration with card schemes (Visa/Mastercard).
Liaise with Compliance and Legal to ensure all products and communications meet regulatory requirements (i.e. NBC guidelines).

Requirements

Bachelor's degree in , Finance, Economics, or related field.
MBA or equivalent postgraduate qualification is a plus.
8–10 years in banking & finance or fintech, with demonstrated experience in product management, development, or commercial roles.
Previous experience in card products (issuing or acquiring) is strongly preferred but not mandatory.
Strong proficiency in Excel (pivot tables, financial modelling) and data-driven decision-making.
Comfort with BI tools (e.g., Tableau, Power BI) is an advantage.
Proven ability in cross-functional project management from conception to launch, including customer journey mapping and process design.
Ability to influence and collaborate across multiple teams (risk, operations, technology, marketing) without direct authority.