Token Lifecycle Manager

As a Token Lifecycle Manager at Bank of the Philippine Islands, you own the end-to-end 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, and transaction growth. You are responsible for launching and supporting Apple Pay, Google Pay, and other digital wallet ecosystems, ensuring compliance with wallet standards, regulatory requirements, and card scheme mandates while driving successful customer adoption.

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 and business outcomes
• Drive adoption and utilization of tokenized payment capabilities, mobile wallets, and digital commerce solutions through customer experience enhancements, engagement initiatives, portfolio analytics, and performance optimization activities
• 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, 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, and regulatory requirements, 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, 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 business impact

What you bring

• A Bachelor's Degree in a business-related field
• 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

About Bank of the Philippine Islands

Bank of the Philippine Islands is a leading financial services institution committed to advancing digital payment capabilities across its debit and credit card portfolios, including support for Apple Pay, Google Pay, and emerging digital wallet ecosystems.