PRODUCT MANAGER – TOKEN LIFECYCLE MANAGER

As a Product Manager for Token Lifecycle Management at Bank of the Philippine Islands, you develop, manage, and optimize tokenization and digital wallet capabilities across the Bank's Debit and Credit Card digital payments portfolios. You translate business objectives into customer-centric payment solutions by identifying market opportunities, developing business cases, managing partner integrations, and delivering product initiatives that drive token adoption, digital payment utilization, transaction growth, and business performance. You own the end-to-end token lifecycle, including token provisioning, activation, usage growth, retention, and optimization, while working closely with card schemes, wallet providers, technology partners, and internal stakeholders.

What you'll do

• Manage the end-to-end lifecycle of tokenization products and capabilities across Debit and Credit Card portfolios, including feature development, performance monitoring, customer adoption initiatives, enhancement prioritization, and partner coordination to drive usage, customer value, and business outcomes
• Drive adoption and utilization of tokenized payment capabilities, mobile wallets, and digital commerce solutions across Debit and Credit Cards through customer experience enhancements, engagement initiatives, portfolio analytics, and performance optimization activities that increase payment activity and customer value
• Serve as the primary business owner for X-Pay token lifecycle management, working closely with Apple, Google, card schemes, token service providers, and technology partners to deliver token provisioning, activation, lifecycle maintenance, customer adoption programs, performance monitoring, and capability enhancements
• Lead the end-to-end lifecycle management of X-Pays across Debit and Credit Cards, ensuring successful delivery, operational readiness, lifecycle optimization, and compliance with Apple, Google, card scheme, governance, security, risk, and regulatory requirements
• Ensure X-Pay and tokenization initiatives comply with X-Pay requirements, card scheme mandates, regulatory requirements, and the Bank's governance, risk, security, and operational standards, while monitoring token provisioning, activation, usage, retention, customer feedback, and business performance metrics to identify optimization opportunities
• Coordinate and align stakeholders across Technology, Operations, Risk, Compliance, Debit Cards, Credit Cards, card schemes, Apple, Google, token service providers, and external partners to support token provisioning, customer activation, lifecycle maintenance, issue resolution, and adoption initiatives
• Monitor token lifecycle performance metrics including token provisioning, activation, active token penetration, tokenized transaction volume, customer retention, and wallet usage to identify growth opportunities and maximize the business impact of X-Pays across Debit and Credit Card portfolios

What you bring

• A Bachelor's Degree in any business-related course
• At least 3 years of work experience in digital payments, tokenization, credit card, and debit card
• Background in financial services and fintech industry in platform or product management