Assistant Manager – Card Product Development (Card Portfolio Management)

Job Summary

Card Portfolio Management

• Manage and monitor the overall **card portfolio performance** including activation rates, spend volume, and customer retention.
• Analyze **portfolio profitability, transaction trends, and customer usage behavior**.
• Develop strategies to increase **card acquisition, activation, and card usage**.
• Identify opportunities to improve **portfolio growth and revenue generation**.

Product Development & Enhancement

• Assist in the **development and enhancement of card products**, including credit, debit, and prepaid cards.
• Work closely with payment networks such as Visa and Mastercard to implement new features and product updates.
• Support product lifecycle management including **product launch, upgrades, and discontinuation**.
• Coordinate with IT and operations teams for **system implementation and enhancements**.

Business Strategy & Market Analysis

• Conduct **market research and competitor analysis** to identify new opportunities in the cards market.
• Support the development of **pricing strategies, card benefits, and reward programs**.
• Evaluate customer feedback and propose **product improvements**.

Campaign & Customer Engagement

• Collaborate with marketing teams to design **spend campaigns, cashback offers, and loyalty programs**.
• Monitor campaign performance and optimize **customer engagement strategies**.
• Develop initiatives to improve **card activation and transaction frequency**.

Risk, Compliance & Fraud Management

• Ensure card products comply with **regulatory requirements and internal policies**.
• Work with risk and fraud teams to monitor **transaction fraud trends and portfolio risk exposure**.
• Ensure compliance with payment network rules and security standards.

Reporting & Performance Monitoring

• Prepare **weekly and monthly portfolio performance reports** for management.
• Track key KPIs such as:
• Card activation rate
• Transaction volume
• Average spend per card
• Portfolio profitability
• Provide insights and recommendations for business improvement.

Qualifications

• Bachelor’s degree in **Business Administration, Finance, Banking, Marketing, or related field**.
• 3–5 years of experience in **card product management, payments, or banking portfolio management**.
• Experience in bank managing **credit card or debit card portfolios**.

Key Skills

• Strong **analytical and financial analysis skills**
• Knowledge of **card payment systems and card lifecycle management**
• Experience with **portfolio analytics and performance reporting**
• Strong **communication and stakeholder management skills**
• Proficiency in **MS Excel, PowerPoint, and data analysis tools**
• Ability to work in a **fast-paced banking or fintech environment**

Preferred Experience

• Experience working with **card processing platforms such as TSYS**.
• Knowledge of **digital payments and card loyalty programs**.
• Experience managing **card acquisition and spend campaigns**.

Job Type: Full-time