Product Manager, Credit Cards

About the role

At Momentum Financial Services Group, we help people move forward by reimagining how money works for those who need it most. With more than 40 years of experience, we're the team behind Money Mart-Canada's largest non-bank branch network-and a leader in financial solutions for underserved communities. From short-term loans to money transfers and prepaid cards, we power the products, technology, and operations that connect millions of customers each year to the money they need, when they need it. At MFSG, we work together across teams and functions to create something bigger than ourselves: solutions that remove barriers and give people access to money they might not get anywhere else. Whether you're solving problems, building systems, or shaping strategy, your work fuels real support for real people. We've Got You Covered Compensation Philosophy - Competitive pay aligned with experience and market standards Discretionary Annual Bonus - Rewarding both individual and company performance Comprehensive Benefits - Health and dental coverage with premiums fully paid, plus access to an Employee Assistance Program Retirement Plans - Helping you plan and save for the future Hybrid Work Environment - Flexibility to balance remote and in-office collaboration; enjoy our corporate HQ spaces designed for teamwork and creativity Perks and Rewards - Tuition reimbursement, professional development support, discounts through Perkopolis, and recognition programs that celebrate your impact The Job: Product Manager, Credit Cards We are seeking an experienced and results-driven manager to support the performance and growth of our credit card portfolio. This role is primarily focused on driving customer acquisition and early activation, while also supporting performance across the full customer lifecycle, including engagement and retention. You will work closely with partners across marketing , operations and retail to influence and deliver on key drivers at each stage of the customer journey. You will oversee key aspects of the product experience-from design and customer journey through to operational execution and financial outcomes-within a fast-paced retail financial services environment. This role requires strong problem-solving skills, with the ability to identify root causes, implement corrective actions, and continuously improve performance across the business. H ow You'll Make an Impact : Own and drive key portfolio performance levers, with a focus on customer acquisition and early activation. Drive customer acquisition strategies in partnership with marketing and retail , including campaign development, targeting, and channel optimization across retail and digital. Own and continuously optimize the end-to-end acquisition funnel, from top-of-funnel applications through to approval and activation. Oversee and optimize welcome offers, SPIFFs and promotional strategies to ensure strong acquisition quality and early customer behavior. Analyze funnel performance to identify drop-offs, diagnose root causes, and implement data-driven recommendations to improve conversion, approval rates, and early customer engagement. Drive customer engagement strategies to increase spend per active account, leveraging the loyalty program and partnering closely with M arketing , R etail and Operations to deliver targeted campaigns and offers. Identify opportunities to enhance ongoing customer engagement through data-driven insights, optimizing usage behaviors across the lifecycle. Collaborate with cross functional teams to support ongoing spend stimulation initiatives, including credit limit increases (CLIs) and loyalty accelerator programs, ensuring alignment with portfolio performance objectives. Work closely with retail teams, including store associates, Store Managers, and District Managers, to drive in-store performance and execution. Lead initiatives to improve frontline effectiveness, including training, tools, messaging, and incentive alignment. Translate data and frontline insights into clear actions that improve business outcomes and customer experience. Drive operational execution by improving processes, reducing friction in the customer journey, and enhancing the in-store and digital experience. Operate effectively in a fast-paced retail environment, managing multiple priorities while maintaining a strong focus on results. What You Bring : Proven experience in customer acquisition, activation strategies, and funnel optimization. Strong analytical skills with the ability to perform root cause analysis and translate insights into actionable recommendations. Experience working closely with retail teams (store associates, Store Managers, District Managers) to drive performance. Hands-on experience diagnosing performance issues and implementing corrective actions in a fast-paced environment. Strong understanding of digital and retail acquisition channels, including campaign performance and optimiz

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