All about Zeta Suite :Zeta is aNext-Gen Banking Techcompany that empowers banks and fintechs to launch banking products for the future. It was founded byBhavin Turakhiaand Ramki Gaddipati in 2015.Our flagship processing platform - Zeta Tachyon - is the industry's first modern, cloud-native, and fully API-enabled stack that brings together issuance, processing, lending, core banking, fraud & risk, and many more capabilities as a single-vendor stack. 15M+ cards have been issued on our platform globally.Zeta Tachyon offers:--Rich digital-first cardholder experiences.-Native embeddable banking support.-Hyper-Personalisation Policy Engine to launch segment-of-one card programs.-Web-based product configurators to launch in days vs. quarters.-Rapid innovation & extensibility via APIs, event streams, and more.-Modern & intuitive web-based back office experiences.-Next-gen regulatory risk & compliance capabilities.Zeta is actively working with the largest Banks and Fintechs in multiple global markets transforming customer experience for multi-million card portfolios.Zeta has over1700+employees - with over70%roles in R&D - across locations in theUS,EMEA, andAsia. We raised$280 millionat a$1.5 billionvaluation from Softbank, Mastercard, and other investors in 2021.Learn more @www.zeta.tech,careers.zeta.tech,Linkedin,Twitter About the RoleZeta has built the full range of Next-Gen technology and systems needed to operate high RoE credit card programs including Credit Card Processing, Origination, Mobile Apps, Lifecycle Marketing, Line Management, Conversational AI, Contact Center, Operations, Analytics, Rewards, Repayments and Collections, to multiple mid to large Financial Institutions in the USAs Director Product Strategy for Credit Cards you will report into our Product and Engineering Leadership, and work with a team of product managers, engineers, solution architects to define, design, and manage the roadmap and strategy of several of the Platforms described belowFew of the Products you will own Strategy of360 Retail Mobile App- 360 Retail is Zeta's mobile app offering the best in class digital experience on Android and iOS for Transaction Management, Card Management, Account Management, Repayment, Rewards, Family Cards, Credit Health and much moreCompliance Center- This unique one of its kind product, provided by Zeta to our FI customers, automatically performs daily checks on their entire credit card portfolio for any violations of Reg Z, Card Act, SCRA, MLA and all other applicable regulations and alerts them on the samePower Center- The power center provides pre-packaged reports encompassing Executive and Operational dashboards for monitoring the Business and Operational health of any credit card business. The reports include detailed Cohort and Trend metrics across all Credit Card Portfolio KPIs including Acquisition, Activation, Account Metrics, Balances, Spends, Delinquency Cycles, Income (Interest, Interchange, Fee), Expenses (Charge-Offs, Systems), Collections, RoAMerlin Conversational AI- Zeta is leveraging the latest in Conversational AI to build the most sophisticated Omnichannel bots for Credit Card Consumers that go substantially beyond just responding to any and all support requests, and actually provide meaningful insights acting as financial advisors and agents of Retail ConsumersNeutrino Decisioning Suite- Zeta is leveraging the latest in Machine learning algorithms - specifically Decision Tree algorithms and Neural Net algorithms to build machine learning models for optimization of Portfolio Management, Line Management and Collections outcomesResponsibilitiesFor the list of Products above it will be your responsibility to -Optimize Performance KPIs of our Customers- Assist on defining the backlog of features that should be developed in our platforms above to maximize portfolio RoAPrioritize the Product Backlog- Pick the highest priority capabilities and modules we should add to each product to maximize RoA, RoE, reduce Cost to Income Ratio and improve Customer NPS of Zeta's Bank CustomersDefine Product and Feature Specs- Define the specifications of the features being addedOversee Development and Implementation- Work with a lean and effective team of product managers, and software engineers to implement the above capabilitiesMonitor and Measurethe performance of the Platforms to continuously tweak and improve themExperienceThe ideal candidate has a strong technology bent and aptitude and hands-on experience across defining, launching, implementing and optimizing the full Program Management lifecycle of a Credit Card including -Underwriting & Portfolio Management- Understanding underwriting and portfolio growth practicesAccount and Transaction Processing- Understanding of the transaction processing lifecycle processes (auth, clearance, settlement) and Account lifecycle processes (billing, delinquency, aging etc)Operations- Understanding of operational processes including Fraud Operations, Dispute Operations, Production Operations, Application Processing Operations, Account Operations, Settlement Operations. In depth understanding of the KPIs to measure and the pitfalls to watch forCustomer Support- Subject Matter expertise on the topics a typical Credit Card Contact Center coversCollections- Experience and knowledge of collection strategies including communication, offers and hardship plansFinancial Modeling- Understanding of multi-year, Credit Card Financial models (Income Statement and Balance Sheet)Indepth Systems knowledge- Indepth knowledge of vendors and capabilities across all relevant systems including - Application Processing, Loan Origination, KyC / IDV, Processing, Digital Apps, Servicing Apps, Collections, Fraud, Analytics etcSkills and AttributesAnalytical and Data DrivenEngineering Mindset - Ability to operate from first principles, heavily leverages tools and technologies, high tech aptitudeHands-on, Roll up your sleeves and get into the details attitudeOperational RigorExperience and QualificationsDemonstrable experience (preferably 10+ years) across running one or more of Credit Risk, Portfolio Management, Servicing, Collections, Implementation for large-sized credit card portfoliosDegrees in Engineering / Economics / Finance / Statistics desirableLife At ZetaAt Zeta, we want you to grow to be the best version of yourself by unlocking the great potential that lies within you. This is why our core philosophy is'People Must Grow.'We recognize your aspirations; act as enablers by bringing you the right opportunities, and let you grow as you chase disruptive goals.#LifeAtZeta is adventurous and exhilarating at the same time.You get to work with some of the best minds in the industry and experience a culture that values the diversity of thoughts. If you want to push boundaries, learn continuously and grow to be the best version of yourself,Zeta is the place to be!Explore the life at zeta Zeta is an equal opportunity employer.At Zeta, we are committed to equal employment opportunities regardless of job history, disability, gender identity, religion, race, marital/parental status, or another special status. We are proud to be an equitable workplace that welcomes individuals from all walks of life if they fit the roles and responsibilities.
