Welcome to easybank in Hamburg! We are a bank that thinks differently. For more than 30 years, we have been developing innovative financial solutions and making the everyday lives of our customers easier.
We are part of the international BAWAG Group and offer you local proximity with global perspectives.
Flat hierarchies, short decision-making paths, and a hybrid working model give you a high degree of flexibility—whether in the office, at home, or on the go. We rely on personal responsibility instead of micromanagement, and on trust instead of control.
At easybank, you actively shape how we make banking easier for millions of customers every day. Contribute with commitment, dedication, and your own ideas—in an environment that supports you in fully realizing your potential.
As Senior Product Manager Cards you are responsible for shaping and scaling easybank’s credit card business in Germany and across further territories.
Key Responsibilities
1. Commercial Management (50%)
- Own P&L performance of the cards portfolio (revenue, cost, risk, profitability)
- Drive revolving balance growth while optimizing risk-adjusted returns
- Define and steer pricing, fees, and commercial mechanics
- Manage acquisition and portfolio performance KPIs (incl. risk indicators, funnel performance, line management) and derive actionable insights
- Identify and deliver growth initiatives (e.g., acquisition, retention, cross-sell)
- Act as key counterpart to Risk, Finance and Data teams to jointly steering portfolio performance and balancing growth ambitions with risk appetite
2. Product Strategy (20%)
- Define and continuously evolve the cards strategy and product roadmap
- Develop value propositions aligned with target risk segments and profitability objectives
- Analyze market trends, competitors, and customer needs to identify opportunities
- Shape target segments (retail, affluent, self-employed) and use cases (daily spend vs. financing)
- Ensure alignment with group-wide capabilities and strategic priorities
3. Execution (30%)
- Lead end-to-end product initiatives from concept to launch (incl. business case, requirements, testing)
- Work with internal teams (IT, operations, compliance) and external partners (schemes, processors)
- Translate strategy into deliverables, features, and customer journeys
- Ensure timely and high-quality delivery of product enhancements
- Monitor post-launch performance and continuously optimize
Your Profile
- University degree in Business, Finance, Economics, or related field
- Minimum 3 years of experience in Product Management, Business Development, Credit Risk or Consulting (experience in cards/lending strongly preferred)
- Strong understanding of cards, payments, or lending products
- Proven ability to manage commercial KPIs and deliver growth
- Analytical mindset with experience in data-driven decision making
- Strong stakeholder management and cross-functional collaboration skills
- Structured, hands-on, and execution-oriented working style
- Fluent in English (German is a plus)
Our Offer
- Our home is Hamburg Bahrenfeld - easily accessible, with modern office spaces, wellequipped workstations, and our own bistro.
- Flexible working hours and up to 50% home office.
- Individual development opportunities - whether through internal trainings, job rotation, or new project roles.
Would you like to work in a team where collaboration and diversity are actively embraced and valued? Then you've come to the right place.
Your contact person for this position is:
Mai Dinh +49 40 89099183
* We value people.
Equal opportunities are important to us – regardless of age, gender, sexual orientation, physical disability, religion, or ethnic background.
Your Career with Us | BAWAG| Xing | LinkedIn | Facebook | whatchado | Instagram
Welcome to easybank in Hamburg! We are a bank that thinks differently. For more than 30 years, we have been developing innovative financial solutions and making the everyday lives of our customers easier.
We are part of the international BAWAG Group and offer you local proximity with global perspectives.
Flat hierarchies, short decision-making paths, and a hybrid working model give you a high degree of flexibility—whether in the office, at home, or on the go. We rely on personal responsibility instead of micromanagement, and on trust instead of control.
At easybank, you actively shape how we make banking easier for millions of customers every day. Contribute with commitment, dedication, and your own ideas—in an environment that supports you in fully realizing your potential.
As Senior Product Manager Cards you are responsible for shaping and scaling easybank’s credit card business in Germany and across further territories.
Key Responsibilities
1. Commercial Management (50%)
- Own P&L performance of the cards portfolio (revenue, cost, risk, profitability)
- Drive revolving balance growth while optimizing risk-adjusted returns
- Define and steer pricing, fees, and commercial mechanics
- Manage acquisition and portfolio performance KPIs (incl. risk indicators, funnel performance, line management) and derive actionable insights
- Identify and deliver growth initiatives (e.g., acquisition, retention, cross-sell)
- Act as key counterpart to Risk, Finance and Data teams to jointly steering portfolio performance and balancing growth ambitions with risk appetite
2. Product Strategy (20%)
- Define and continuously evolve the cards strategy and product roadmap
- Develop value propositions aligned with target risk segments and profitability objectives
- Analyze market trends, competitors, and customer needs to identify opportunities
- Shape target segments (retail, affluent, self-employed) and use cases (daily spend vs. financing)
- Ensure alignment with group-wide capabilities and strategic priorities
3. Execution (30%)
- Lead end-to-end product initiatives from concept to launch (incl. business case, requirements, testing)
- Work with internal teams (IT, operations, compliance) and external partners (schemes, processors)
- Translate strategy into deliverables, features, and customer journeys
- Ensure timely and high-quality delivery of product enhancements
- Monitor post-launch performance and continuously optimize
Your Profile
- University degree in Business, Finance, Economics, or related field
- Minimum 3 years of experience in Product Management, Business Development, Credit Risk or Consulting (experience in cards/lending strongly preferred)
- Strong understanding of cards, payments, or lending products
- Proven ability to manage commercial KPIs and deliver growth
- Analytical mindset with experience in data-driven decision making
- Strong stakeholder management and cross-functional collaboration skills
- Structured, hands-on, and execution-oriented working style
- Fluent in English (German is a plus)
Our Offer
- Our home is Hamburg Bahrenfeld - easily accessible, with modern office spaces, wellequipped workstations, and our own bistro.
- Flexible working hours and up to 50% home office.
- Individual development opportunities - whether through internal trainings, job rotation, or new project roles.
Would you like to work in a team where collaboration and diversity are actively embraced and valued? Then you've come to the right place.
Your contact person for this position is:
Mai Dinh +49 40 89099183
* We value people.
Equal opportunities are important to us – regardless of age, gender, sexual orientation, physical disability, religion, or ethnic background.
Your Career with Us | BAWAG| Xing | LinkedIn | Facebook | whatchado | Instagram