Transaction Services (TS) is one of ING Wholesale Banking's (WB) main business lines. We offer a suite of WB products and services to corporate and institutional clients. We are a significant contributor to the growth and profitability of the WB. Our strategy is aimed at ensuring that we continue to support sustained growth for the WB by delivering competitive and relevant TS products.

The purpose of Product Management PCM (Payments & Cash Management) is to unlock existing business potential and activate new client/market opportunities. The focus is on executing a strong commercial strategy aiming at stable and sustainable fee income flows. The Product Management PCM department makes a difference for our clients by offering best in class and fit-for purpose products and services while continuously improving our existing proposition as well as developing new products for our client base. Within the Cards area we are responsible for the Merchant Services proposition and Commercial Cards proposition towards our clients.

The Team

Product Management Payments & Cash Management is responsible for the commercial performance of the payments & cash management products (for both corporates and FI’s). The team is responsible for optimizing the commercial performance of the product suite and formulating a long-term view on how we evolve our product proposition to remain relevant to our clients over time in a highly competitive environment. That means taking market developments (informed by the sales organization and external input) and translating those into concrete requirements for product development and enhancements, as well as formulating a view on how the organization will commercialize the enhanced product proposition.

Role & Responsibilities

As Product manager Cards you will be responsible for the performance of ING WB’s Merchant Services. You will define and execute the commercial strategy for products and services in your scope. EPI/ Wero will be one of the projects you will work on.

• You will report to the Head of Product Management Cards.
• You focus on commercial management, product management and marketing and apply your experience to target audiences in the fast-changing context Merchant Services and/ or Commercial Cards.
• You represent the voice of the customer, have a strong vision on how to attract consumers and focus on continuously improving the product performance.
• You take a pan-European view on the industry developments affecting your product, advocate the strategic direction for your product internally and externally.
• You are part of the European network, stimulate cross-border collaboration and alignment with the parties that need to contribute to your specific business product area.
• You will align with TS Sales, Client Services and the Sector organization and support during client pitches.

Your key responsibilities

• You are a key player in determining the strategic direction of Merchant Services within ING Wholesale Banking, supporting the head of Product Management Cards to set the right priorities. 
• You will be responsible for the day-to-day product performance and the P&L of our products which is reflected in your daily work and priority setting.
• You will be responsible for product strategy, proposition, roadmap, design, commercial execution and life cycle.
• You will be responsible for creating & tracking business cases. Including identifying the data relevant for monitoring product performance, running business cases, define Dynamic Plan (multiyear budgeting) and other relevant activities.
• You will be responsible for marketing, communication & customer satisfaction.
• You will be responsible for market, competition & customer research.
• You will contribute to TS’ sustainable performance, and you identify opportunities to better serve and delight our customers in daily collaboration with Sales, Client Services and the Sector organization.
• You will be responsible for monitoring and updating policies and governance related to your products.
• You will be responsible for non-financial risk management (i.e., Product Approval Review Process, issues management, audits, key control testing etc.)
• You will be responsible for the risks related to your products and work with Risk, Compliance, and Legal stakeholders, to make sure our products and services comply with regulations and policies.

Regarding the Delivery Management (DM) organization, as a PM:

• You are responsible for aligning with DM organization and ensuring successful delivery of your product requirements.
• You define the business requirements and translate them to the DM CJE with the aim of developing and maintaining products and services. As a result, you also play a supporting role in the QBR process.
• You share responsibility with the DM organization in ensuring our license to operate by secure and flawless 24/7 operations.

How to succeed

• Master's or bachelor's degree. A minimum 3 years of working experience within the Payments domain, PSP, Cards acquirer or card scheme organization.
• Experience in commercial product management, marketing and/or client experience.
• Solid knowledge and experience within Cards Acquiring, ecommerce, Alternative Payments Methods and instore POS payments.
• Customer Market Analysis
• Financial acumen
• Stakeholder management skills in complex, international ecosystems
• Business Analysis & Insight
• Excellent written and verbal English communication skills, Dutch is an advantage.
• Knowledge in the field of Merchant Services and/or Commercial Cards.
• An entrepreneur that combines client focus with commercial and marketing power.
• Your ability and drive to take ownership and steer the (product) strategy implementation with an eye on the long-term perspective and managing risk prudently.
• A colleague with analytical skills who takes decisions based on data and facts. Ability to translate complex content and financial data into well-structured strategy decisions and business cases.
• Strong resilience: your ability to navigate through ambiguity and simplify complexity.
• A pro-active, creative and an out-of-the box thinker.

Rewards and benefits

We want to make sure that it’s possible for you to strike the right balance between your career and your private life. Find out more about our employment conditions.

The benefits of working with us at ING include:

• A salary tailored to your qualities and experience, Global Job Scale 20
• 24-27 vacation days depending on contract
• Pension scheme
• 13th month salary
• Individual Savings Contribution (BIS), 3.5% of your gross annual salary
• 8% Holiday payment
• Hybrid working
• Personal growth and challenging work with endless possibilities
• An informal working environment with innovative colleagues

About us

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