星展银行
Card Product Manager, Cards and Unsecured Loans
Card Product Manager, Cards and Unsecured Loans
发布于 3 天前普通员工/个人贡献者
全职员工仅现场办公产品经理
产品经理
Kpi监控
信用卡产品管理
合规意识
客户关系管理
市场分析
战略规划
跨部门协作
风险管理
值不值得投
76综合评分
综合评分 76
跨国银行核心产品岗，薪资福利优厚，业务覆盖面广，工作强度适中偏上，适合寻求稳定发展的产品专家
从薪资福利、成长发展、工作生活和使命价值四个维度综合评估，方便横向比较。
薪资怎么样
11.5万
比产品经理中位数高
发布情况
新岗位 · 3 天前发布
市场机会
选择适中
台北 · 产品经理 · 12 个在招
职位详情
关于这个职位
负责星展银行（台北）信用卡及无担保贷款产品的全生命周期管理，涵盖高端卡、联名卡及大众卡业务
需深入进行市场研究与竞品分析，制定产品战略与营销方案，协调跨部门资源确保产品按时交付，并通过数据监控优化客户体验、盈利能力及风险控制，推动业务增长
最低要求
具备信用卡或金融产品相关领域的专业经验
拥有出色的市场分析能力，能够识别高净值或大众市场的机会并转化为可执行策略
熟悉产品开发全流程，包括需求定义、路线图管理及跨部门协作（工程、营销、法务、合规等）
具备优秀的利益相关者管理能力，能与内部团队及外部合作伙伴建立良好关系
具备数据驱动决策能力，能通过KPI监控（如获客成本、客户终身价值、活跃度等）优化产品表现
严格遵守监管法规及内部政策，有效管理产品风险
具备良好的沟通表达能力，能向高层汇报项目进展及战略建议
工作地点位于台北市信义区Honhui A-13F，需全职到岗
工作职责
【Affluent Card (高端卡)】
Market Strategy & Analysis: Conduct in-depth market research and competitive analysis, specifically focusing on affluent segment market, to identify opportunities for product innovation and growth. Translate insights into actionable strategies for affluent card product development and expansion.
Affluent Card Product Marketing & Go-to-Market Strategy: Develop and execute the leading-brand marketing campaigns specifically targeting fee card acquisition and engagement. This includes creating compelling marketing messaging and promotional materials that leverage DBS brand synergies. Oversee the overall portfolio performance, proactively identifying and mitigating risks, and implementing strategies to optimize profitability and customer lifetime value.
Affluent Card Product Development & Management: Contribute to the full product development lifecycle of affluent credit cards, collaborating with engineering, marketing, sales, legal, compliance, and service provider. Ensure on-time and on-budget delivery of high-quality affluent card products. Manage product roadmap and prioritize features. Oversee the overall portfolio performance, proactively identifying and mitigating risks, and implementing strategies to optimize profitability and customer lifetime value.
Affluent Customer Experience & Loyalty: Design and execute engagement campaigns/features targeting affluent customer behaviors, such as concierge services, travel rewards, exclusive offer and privileges. Stay updated on market trends and competitive offerings, providing proactive solution to clients for loyalty oriented.
Performance Monitoring & Optimization: Track and analyze key performance indicators (KPIs) specifically related to affluent card performance, including acquisition costs, customer lifetime value, and branding awareness. Identify areas for improvement and maximize profitability. Conduct portfolio review to ensure client needs met to identify opportunity for cross-selling ad up-selling.
Risk & Compliance: Ensure adherence to all relevant regulations and internal policies related to affluent credit cards, mitigating risk throughout the product lifecycle.
【Partnership & Cobrand Card (联名卡)】
Market Strategy & Analysis: Conduct in-depth market research and competitive analysis, specifically focusing on the co-brand credit card market, to identify opportunities for product innovation and growth. Translate insights into actionable strategies for co-brand card product development and expansion.
Co-brand Card Product Marketing & Go-to-Market Strategy: Develop and execute effective marketing campaigns specifically targeting co-brand card acquisition and engagement. This includes creating compelling marketing messaging and promotional materials that leverage partner brand synergies.
Co-brand Card Product Development & Management: Contribute to the full product development lifecycle of co-brand credit cards, collaborating with engineering, marketing, sales, legal, compliance, and partner teams. Ensure on-time and on-budget delivery of high-quality co-brand card products. Manage product roadmap and prioritize features.
Partner Relationship Management: Cultivate and maintain strong relationships with existing and prospective co-brand partners, aligning on strategic goals, managing expectations, and resolving conflicts. Negotiate agreements and ensure compliance with contractual obligations. Performance Monitoring & Optimization: Track and analyze key performance indicators (KPIs) specifically related to co-brand card performance, including acquisition costs, customer lifetime value, and partner satisfaction. Identify areas for improvement and maximize profitability
Risk & Compliance: Ensure adherence to all relevant regulations and internal policies related to co-brand credit cards, mitigating risk throughout the product lifecycle.
【Mass Card (大众卡)】
Develop and execute the strategic roadmap for the mass product bank card portfolio, focusing on maximizing market penetration and broad customer appeal.
Oversee the overall mass product bank card portfolio performance, proactively identifying and mitigating risks, and implementing strategies to optimize profitability and customer lifetime value across a broad customer base.
Lead the end-to-end product development lifecycle for mass product bank card products, from ideation and design to launch and ongoing maintenance. This includes defining product specifications, managing cross-functional teams (Marketing, Technology, Legal, Compliance, Risk), and ensuring timely and efficient delivery within budget for a large-scale product.
Leverage market research and customer insights to ensure mass product bank card offerings are aligned with evolving customer needs, market trends, and competitive landscapes. Continuously monitor and analyze product performance, identifying opportunities for enhancement and innovation for the mass market.
Drive the product value proposition by clearly articulating and communicating the unique benefits and competitive advantages of the mass product bank card portfolio to target customers and internal stakeholders.
Identify and drive internal cross-buy opportunities by collaborating with other banking product teams (e.g., Wealth Management, Deposits, Loans) to create integrated offerings and campaigns that leverage the bank card portfolio to increase customer engagement and deepen customer relationships across the bank.
【Stakeholder Management & Communication】
Build and maintain strong, collaborative relationships with key stakeholders, including internal teams (e.g., Sales, Marketing, Operations, Technology, Wealth Management, Other Banking Products) and senior management.
Effectively communicate program performance, strategic initiatives, and risk assessments to senior management through compelling presentations and reports.
Proactively manage expectations and resolve conflicts to ensure effective collaboration and project delivery.
【Performance Measurement & Reporting】
Define, track, and analyze key performance indicators (KPIs) to monitor the success of mass product bank card initiatives and product performance (e.g., activation rates, spend, portfolio health, profitability, customer satisfaction across the mass market).
Prepare comprehensive performance reports and present insights to senior management, providing data-driven recommendations for optimization and strategic adjustments for the mass product portfolio.
AI 洞察
优缺点分析
优点
- 依托星展银行全球领先的平台与品牌影响力，接触前沿金融科技
- 产品线覆盖全面，职业发展空间大
- 国际化工作环境
- 跨部门协作复杂，对沟通协调能力要求极高
缺点 / 挑战
- 金融行业监管严格，合规压力大
- 需平衡创新与风险控制
- 有金融行业背景，喜欢挑战，具备强执行力与战略思维的产品经理
角色解读
- 可向高级产品经理、产品总监或区域金融产品负责人方向发展，深耕金融科技与零售银行业务
- 负责星展银行信用卡产品线（高端、联名、大众）的战略规划、开发落地与市场运营
- 精通金融产品全生命周期管理，具备敏锐的市场洞察力与数据分析能力，擅长跨部门协调与利益相关者管理
申请策略
- 了解星展银行在台湾市场的最新战略动向，准备展示你对当地高净值及大众客户需求的深刻理解
- 突出过往信用卡或金融产品从0到1的成功案例，强调数据驱动的业绩提升（如用户增长、营收提升）
- 加强金融合规知识学习，提升SQL/Python等数据分析技能以支持决策，强化项目管理方法论
面试指南
- 使用STAR法则（情境、任务、行动、结果）结构化回答
- 重点突出数据支撑、跨部门协作难点及最终的业务成果
- 请分享一个你主导的信用卡产品成功案例，你是如何确定产品定位的？
- 在面对严格的金融监管要求时，你如何平衡产品创新速度与合规性？
- 如何评估和管理联名卡合作伙伴的关系，确保双方利益最大化？
- 请举例说明你如何通过数据分析发现产品痛点并推动改进
- 深入研究星展银行近期发布的财报及台湾信用卡市场报告，准备1-2个针对当前市场痛点的产品优化思路
职位点评
薪资福利85
成长发展80
工作生活60
使命价值70
薪资福利
85较高
作为已上市的跨国巨头企业，星展银行提供具有市场竞争力的薪酬体系及完善的福利保障，符合高收入预期。
薪资信号未披露（AI估算：8.0千–15.0万/月）
成长发展
80较高
职位涉及多条产品线（Affluent, Co-brand, Mass）及全生命周期管理，技术栈虽非纯研发但涉及金融科技应用，成长路径清晰。
技术前沿主流现代技术
技术栈Product Roadmap、Data Analysis、KPI Tracking、Cross-functional Collaboration
业务类型profit_center
工作生活
60中等
工作地点位于台北市信义区核心地段，通勤便利；但金融行业及产品岗通常面临一定的工作强度与合规压力，WLB中等。
工作模式未明确
办公地点市区核心地段
加班情况未提及（无法判断）
使命价值
70中等
通过优化金融服务提升客户生活质量与财富管理水平，具有一定的社会价值，但主要驱动力仍为商业盈利。
行业发展稳定成熟行业
社会影响中性/一般
创新程度积极采用新技术
星展银行 的其他在招职位
Assistant Officer, Telemarketing Personal Loan Sales, Cards & Unsecured Loans, Consumer Banking Group
星展银行 · 台北市AI 估算 · 4.5–6.5万Officer, Digital Service Specialist, Customer Segments, Consumer Banking Group
星展银行 · 台北市AI 估算 · 4.5–6.5万Relationship Manager, Large Corp (AVP-VP)
星展银行 · 杭州市AI 估算 · 3.5–6.5万Officer, Specialist, Unsec Cdt-Consumer Banking Ops, Technology & Operations
星展银行 · 台北市AI 估算 · 4.5–6.5万AVP/ Analyst, Business Planning & Process, Investment Products & Advisory, Consumer Banking Group
星展银行 · 台北市AI 估算 · 8.0–15.0万
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