Senior Director, Head of Consumer Cards Products, Asia Pacific

Team Summary

The Consumer Solutions group manages the deployment and optimization of Visa’s core products base consisting of Credit, Debit and Prepaid payments solutions as well as Engagement Solutions and the benefits platforms that function across all product categories – together, these are Visa’s core products. The team is also responsible for the development and deployment of innovation across this product suite. To do this, we work in close partnership with Visa clients and key internal and external stakeholders. We are also the team responsible for leading the transition of conventional card-based solutions onto digital form factors, ensuring Visa payments solutions remain the market-leading way for consumers to spend their money and manage their payments across the Asia-Pacific region

What the SD, Head of Core Product Management does at Visa:

Reporting to the Head of Consumer Solutions, AP, the Head of Core Product Management will be responsible for initiatives across four broad areas of responsibility

1. Management of established core products - Credit, Debit and Prepaid to maximize operational efficiency in managing these established platforms
2. Identification and development and execute initiatives to drive expansion of Visa’s consumer credit portfolio, in line with the Visa 2030 strategy, driving growth in associated PV and revenue across.
3. Facilitate Visa’s thought leadership in the AP payments industry through promulgation of Core Product best practices.
4. Sourcing and management of Visa’s core cardholder benefits, across mass, affluent and x-border

The role-holder will lead a team of direct line reports in Singapore and works closely with Core Product teams across AP, responsible for evolving and building end-to-end consumer experiences that drive client preference for Visa as a strategic partner and make us an enabler of superior value propositions for digitally-enabled consumers.

An essential part of Visa’s success is the establishment and application of rules and standards, to ensure a uniform, reliable point-of-sale UX, both online and offline. The Head of Core Product Management will lead the efficient administration of these Rules and Standards as they pertain to Core Products, ensuring that the Rules are fit-for-purpose, while also ensuring their efficient operation and administration.

The role-holder will be responsible for the identification, development, commercialization and launch of new ways to grow the consumer unsecured credit business in AP, working closely with issuers and internal Global counterparts to expand “credit-card” issuance, as well as newer ways of efficiently facilitating the provision of unsecured credit, for example BNPL or other methods.

In addition, the SD, will manage Visa’s cardholder benefits such as merchant and partner benefits, Visa Concierge, Insurance and Visa Luxury Hotel Collection, as well as Core VAS (Value Added Services) service lines such as GCAS (Global Customer Assistance Services), Lounge referrals, Visa Customized Benefits, and the capabilities that support the delivery of these benefits and services. This includes the identification of Visa’s Concierge and Lounge strategy.

As part of this role, the Head of Core Product Management will also be responsible for facilitating the gathering, analysis and promulgation of best practices and recommendations for optimal Core Consumer Product performance both internally within Visa, and as a thought-leader externally, working closely with Visa Consulting & Analytics. 

You will need to be highly collaborative and will be the key interface between the market teams and Visa’s global team to ensure our platforms drive product differentiation, consumer activation and engagement

As well as working with in-market, client-facing teams, your team will work closely with the Global counterparts, Corporate Strategy, Marketing, Client Services, Finance, Pricing, Legal.

Why this is important to Visa

Core Consumer Products are the key basis for Visa’s business in AP and encompass conventional card-based credit programs as well as newer digital solutions. Within Core Products, Consumer credit spans most life-stage and income segments in all Visa’s AP markets from entry-level credit products through to solutions designed to meet the needs of Ultra-High Net Worth consumers and as such is a key platform for revenue generation and consumer engagement for Visa and our clients. As the largest solution set in AP, Core Products offer Visa the most visible and impactful opportunity to drive digital payments enablement and thus is a key part of our digital migration strategy.

• 13 - 15+ years of experience and at least 8 – 10 years of experience in the payments industry, preferably in product development, product management & strategy
• Experience in financial services, fintechs, telecom, retail and ecommerce will be an advantage
• Proven experience in P&L ownership & sharp understanding of macroeconomics, consumer behavior, product operations, business processes
• Established credentials in delivering product & business solutions and keen interest in payment technology & innovation
• Understanding of network product, rules, technology will be advantageous
• Strategic thought leadership coupled with execution bias to drive initiatives and meet key result areas
• Sound business acumen, analytical skills and keen understanding of new technology payment business models and profitability drivers
• Understanding of Visa business and organization strongly preferred

What will also help:

• Master’s Degree in business, engineering or a related field

Visa is an EEO Employer. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability or protected veteran status. Visa will also consider for employment qualified applicants with criminal histories in a manner consistent with EEOC guidelines and applicable local law.