Senior Product Manager, Credit Bureau Scores - Madrid, España - Experian
Descripción
Company DescriptionExperian's a leading Analytics Enterprise
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Job Description:
An exciting opportunity to join Experian's EMEA & APAC team and lead the regional productisation of Credit Bureau scores.
This role includes ownership of the product strategy, the PnL success and innovation across a broad range of geographies in EMEA & APAC.
There is a significant opportunity for cross-fertilization of ideas and innovation whilst defining the benchmarks for best practice across the individual Credit Bureaus within our region.
The Credit Bureau score product portfolio is a key growth pillar for Experian EMEA & APAC and forms part of a rapidly growing portfolio of products designed to be a catalyst for growth in the region.
What you'll be Accountable for:
- Overall Product Management ownership for Credit Bureau scores at a regional level.
- Driving PnL outcomes taking accountability for top line growth (Revenue) and bottom line (EBIT)
- Building the Credit Bureau scores roadmap defining short, medium and longterm views for the evolution of all relevant scores.
- Driving innovation to create new Credit Bureau scores.
- Monitoring, enhancement and sunsetting of existing CB scores where necessary.
- Building gotomarket plans in collaboration with Market based Credit bureau teams (both local products and marketing leads).
- Lead Business Case production in line with execution of the roadmap defining investment scale and Return on Investment, payback etc.
- Working closely with the Analytics team (who build the scores) to ensure requirements are met and that there is close interlock with the Market centric GTM activity.
- Help produce GTM documentation and tools to aid sales enablement in close collaboration with the Market teams.
- Creating an Innovation process which brings together the various Credit Bureau communities and facilitates the sharing of ideas in a crossfertilization process.
Product scope
- The following are examples of the type of scores, the final list of products in still WIP:
- Delphi scores (New Business, Customer management, Collections, GeoDelphi, Commercial)
- Consumer Debit Index
- Fraud Scores
- Thinfile Score
- Nerverpay Score
- Energy Score
- Finance Score
- Bankruptcy Score
- GAR model
- Sigma score, enhanced with Trended attributes
- Nerverpay Score
- Energy Score
- Finance Score
- eCommerce Score (ML)
- Commercial Score + Premier attr. (POC)
- Early warning scores
Revenue
- Revenues by product and by country highlighting strong and weak performing scores.
- Produce revenue forecasts in line with business cases, inyear and future year revenue forecasts.
- Revenue forecasts to include both 'top down' market perspective and 'bottom up' unit sales perspectives.
- Forecasting for budget planning and inyear revenue performance.
PnL
- Produce business case and customer specific delivery costs for input to product and customer specific business cases
- Drive cost efficiency through careful planning and through efficient use of platform infrastructure and virtual resources in order to drive lower unit costs to maximize commercial flexibility in the market.
- Manage the regional budget for Credit Bureau Scores and report to the leadership on a regular basis.
Product Development
- Work closely with the regional and global technology and product teams to keep uptodate with key roadmap developments and produce a platform roadmap for the region which will inform and enable Product development / feature roadmap.
- Work closely with the regional & Market Product and commercial leads to develop business cases for new products and services, producing cost and project timeline inputs to business cases.
- Appoint the product development 'constructors', manage the commercial agreements as appropriate.
Programme Management
- Manage the programme of Product delivery through a programme office delivering to internally and externally (customer) committed dates.
- Create and own Risk management register for product development activities
- Bring in broader stakeholders and ap
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