Cards Portfolio Management Specialist

Analyze portfolio trends and develop strategies to improve activation, usage and retention

Support to develop and implement strategies to grow the credit card portfolio in line with the business targets

Support the initiatives related to customer engagement & balance build. This includes end to end management of campaigns across channels to grow spends and balances

Support the credit card instalment plans strategy, including design and construct of payment plans, implementation of an effective sales strategy and optimizing revenues

Design and implement lifecycle campaigns and customer engagement programs and be responsible for end to end campaign management and driving appropriate customer communication.

Collaborate with internal stakeholders and external partners to ensure smooth execution of all campaign and offers

Optimize portfolio performance through segmentation, targeting, and offer personalization.

Provide execution support for campaign rollout, tracking, and reporting.

Liaise with internal and stakeholders to align on campaign objectives and KPIs.

Ensure compliance with internal approvals and regulatory requirements.

Help manage the financial performance of the credit card portfolio. Develop financial forecasts and budgets, monitor actual performance vs. targets & identify opportunities to mitigate any headwinds KPIs

Increase in plastic activation rate, spend activation rate, spend/card etc.

Improve card utilization, ENR/card, installment sales.

Manage credit limit increase and decrease activities

Data driven portfolio campaigns along with pre campaign and post campaign results

Customer engagement and activation metrics

Development of new partnerships to supplement value for cardholders

Portfolio growth and retention rates

Timely execution of planned initiatives

Mandatory: Cards Cross-border payments, e- commerce, and merchant partnerships

Mandatory: Campaign execution, customer segmentation, and performance analytics

8 -10 years in banking, payments, or consulting with a focus on credit card portfolio optimization, digital engagement, card product management (Regional experience preferred)

Bachelor’s degree or equivalent qualification. Advanced degree or MBA preferred

Knowledge of Cards P&L, Revenue, Loyalty programs and campaign management will be a big plus

Fluent English required, Arabic fluency preferred

Comfortable with significant client interaction and interest in building relationships

Proven track record in campaign execution, customer segmentation, and performance analytics.

Advanced Word, Excel, and PowerPoint skills required, knowledge of Project Management tools preferred

Analytical skills Mandatory Skills**

Results-oriented with a strong drive for achieving targets and KPIs

Creative and innovative thinker with a passion for developing new solutions

Team player with strong leadership and project management skills

Customer-centric mindset with a focus on delivering exceptional service and value

Relevant: 8 -10 Years Cards Portfolio Management

Relevant: Customer lifecycle management

Relevant: Spend and balance build campaign