Commercieel Product Manager Merchant Services
Key Skills
Job Description
Introduction As Product Manager Merchant Services, job grade 11, you will be responsible for the performance of ING Wholesale Banking’s Merchant Services proposition. Together with your colleagues, you will define and execute the commercial strategy for the products and services within your scope, with a focus on Digital Payments and Collections. The team Transaction Services is one of ING Wholesale Banking’s main business lines, offering a suite of products and services to corporate and institutional clients. Its strategy focuses on supporting sustained growth by delivering competitive and relevant Transaction Services products. Product Management Payments & Cash Management is responsible for the commercial performance of payment and cash management products for corporate clients and financial institutions. The team optimizes the performance of the product portfolio and develops a long-term vision for keeping ING’s propositions relevant in a highly competitive environment. Within the Cards area, the team is responsible for the Merchant Services and Commercial Cards propositions. You will report to the Head of Product Management Cards and work closely with Transaction Services Sales, Client Services, Sector teams, Delivery Management, Risk, Compliance, and Legal. You will also be part of the European network, encouraging cross-border collaboration and alignment. Roles And Responsibilities You will manage the Merchant Services proposition across its commercial, financial, operational, and risk dimensions. Your main responsibilities include: Improve ING Wholesale Banking’s Merchant Services proposition, representing the voice of the customer and identifying opportunities to attract and better serve clients. Own the day-to-day product performance and P&L, using commercial and financial insights to set priorities. Define and execute the product strategy, proposition, roadmap, design, commercial approach, and product life cycle. Create and track business cases, identify relevant performance data, and contribute to the Dynamic Plan and multiyear budgeting process. Lead marketing, communication, and customer satisfaction activities for the products within your scope. Conduct market, competitor, and customer research, taking a pan-European view of developments affecting Merchant Services. Translate market developments and input from Sales into concrete requirements for product development and proposition enhancements. Align with Transaction Services Sales, Client Services, and Sector teams, including supporting client pitches. Monitor and update product policies and governance, and manage non-financial risks through activities such as the Product Approval Review Process, issue management, audits, and key control testing. Work with Risk, Compliance, and Legal to ensure products and services comply with relevant regulations and policies. Define business requirements and translate them for Delivery Management Customer Journey Experts, supporting product development, maintenance, and the Quarterly Business Review process. Share responsibility with the Delivery Management organization for secure, reliable, and flawless 24/7 operations. How To Succeed We hire smart people like you for your potential. Our biggest expectation is that you’ll stay curious. Keep learning. Take on responsibility. In return, we’ll back you to develop into an even more awesome version of yourself. Hold a bachelor’s or master’s degree and have at least three years of experience in the payments domain at a bank, payment service provider, cards acquirer, or card scheme organization. Bring solid knowledge and experience in cards acquiring, e-commerce, alternative payment methods, and in-store point-of-sale payments. Apply knowledge of Commercial Cards where available, although this is an advantage rather than a prerequisite. Combine client focus with commercial, marketing, and entrepreneurial capabilities. Take ownership of product strategy implementation while maintaining a long-term perspective and managing risk prudently. Use data and facts to make decisions, translating complex content and financial information into clear strategic choices and well-structured business cases. Navigate ambiguity with resilience and simplify complex challenges. Think proactively, creatively, and beyond established approaches. Communicate openly and transparently, working effectively both independently and as part of a team. Demonstrate energy, motivation, and ING’s Orange behaviors. Rewards And Benefits We want to make sure that it’s possible for you to strike the right balance between your career and your private life. Find out more about our employment conditions The Benefits Of Working With Us At ING Include 25 to 28 vacation days, depending on your contract A pension scheme A 13th-month salary 8% holiday payment Hybrid working Personal growth and challenging work with endless possibilities An informal working environment with innovative colleagues About Us Curious about how ING empowers people and businesses to move forward? Discover what we do and what we can offer you Questions Please visit our Frequently Asked Questions section to find answers to questions you might have. Contact the recruiter attached to the advertisement. Want to apply directly? Please upload your CV and motivation letter by clicking the “Apply” button.
Core Responsibilities
Manage the commercial, financial, operational, and risk performance of ING Wholesale Banking’s Merchant Services proposition, including its strategy, roadmap, product lifecycle, and P&L. Research customer and market needs, support sales and product development, and coordinate with delivery, risk, compliance, and legal teams to maintain compliant and reliable services.
Requirements
A bachelor’s or master’s degree and at least three years of payments-domain experience at a bank, payment service provider, cards acquirer, or card scheme organization are required. Candidates should have strong knowledge of cards acquiring, e-commerce, alternative payment methods, and in-store payments, alongside commercial judgment, client focus, analytical ability, and effective communication skills.
Benefits
- 25 to 28 Vacation Days
- Pension Scheme
- 13th-Month Salary
- 8% Holiday Payment
- Hybrid Working
- Personal Growth
- Challenging Work
- Informal Working Environment
About ING Nederland
Industry: Banking
Company size: 10,001+ employees
ING is a global bank with a strong European base. With 14,500 employees in the Netherlands, we’re one of the biggest employers in the country. Our research tells us that we stand out here because of our great working culture, competitive benefits and interesting work. We believe in sustainable progress for all, not just for the few. We aim to support and contribute to economic, social and environmental progress. Because progress doesn’t start with perfection. It starts with people, their ideas and their drive to make things better. Collaborative and inclusive We’re proud of our diverse and multinational make-up. Joining the ING team means contributing to a collaborative and inclusive culture, having a hybrid way of working and being part of the positive impact that we strive to make on people and the planet. We don’t believe in one ‘perfect’ way of doing things. The best solutions emerge when people work together, stay curious and learn from each other. You’ll get responsibility from day one, along with the trust and freedom to make your own choices and contribute your perspective. Purpose ING’s purpose is empowering people to stay a step ahead in life and in business. This purpose guides us in everything we do. Rather than telling our people what to do, we trust them and encourage them to carve out their career in a way that works best for them. We want to enable people to grow in their own way, without being held down. Because doing great things starts by doing your thing. So, are we offering the perfect job? Maybe not. But you might find something better: a place where you can be yourself, keep growing and make an impact through the work you do.