Cards Portfolio Management Specialist
Job Fit Check
Base Career helps you apply smarter for this job.
Key skills for this role
About the Role
Manage cards portfolio through customer lifecycle management, campaign execution, and performance analytics to drive growth and optimize financial performance.
Key Skills for This Role
Responsibilities
- Analyze portfolio trends and develop strategies to improve activation, usage and retention
- Support development and implementation of strategies to grow the credit card portfolio
- Support initiatives related to customer engagement and balance build, including end to end campaign management
- Support the credit card instalment plans strategy, including design and implementation of payment plans
- Design and implement lifecycle campaigns and customer engagement programs
- Collaborate with internal stakeholders and external partners to ensure smooth execution of campaigns and offers
- Optimize portfolio performance through segmentation, targeting, and offer personalization
- Provide execution support for campaign rollout, tracking, and reporting
- Liaise with internal stakeholders to align on campaign objectives and KPIs
- Ensure compliance with internal approvals and regulatory requirements
- Help manage financial performance of the credit card portfolio, develop forecasts and budgets
Requirements
- 8 10 years in banking, payments, or consulting with a focus on credit card portfolio optimization
- Bachelor's degree or equivalent qualification; advanced degree or MBA preferred
- Knowledge of Cards P&L, Revenue, Loyalty programs and campaign management
- Fluent English required; Arabic fluency preferred
- Proven track record in campaign execution, customer segmentation, and performance analytics
- Advanced Word, Excel, and PowerPoint skills
- Results oriented with strong drive for achieving targets and KPIs
Full Job Posting
Job Title and Term
- Job Title: Cards Portfolio Management Specialist
- Term: 12 months
- Location: Riyadh, KSA
- Division: Retail Banking/ Cards & Payments
- Relevant experience: 8 10 Years
Mandatory Requirements
- Cards Portfolio Management
- Customer lifecycle management
- Spend and balance build campaign
- Cards Cross border payments, e commerce, and merchant partnerships
- Campaign execution, customer segmentation, and performance analytics
Purpose of the Project
- Strategic advisory and execution support for cards portfolio optimization initiatives spanning across key KPIs like ENR, spend, authorization etc.
- To drive growth in card activation, customer engagement, utilization, balance build through strategic planning, campaign execution, and portfolio optimization leveraging data analytics, merchant partnerships and other lifecycle management tools.
Key Activities / Core Responsibilities and Accountabilities
- 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.
Knowledge and Experience
- 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.
Apply for this job in 1 click
Skip the repetitive application forms
Install the Base Career Chrome Extension and autofill job applications across major job boards with your profile.
Trusted by over 500,000 job seekers on Base Career
More from this employer
More jobs at PayTech Group
Partnership Manager- Merchant Partnerships & Loyalty
Doha, QAT
Manage merchant partnerships, drive loyalty offers, and optimize cardholder engagement through acquisition, relationship management, and data analysis in the payments sector.
UAT Tester
Doha, QAT
Responsible for User Acceptance Testing of card products, ensuring compliance and quality through defect management, test planning, and stakeholder coordination.
Cards Analytics Specialist
Doha, QAT
The role involves portfolio performance reporting, campaign effectiveness analysis, and data-driven decision support using SQL, Excel, and data visualization tools.
Cards Analytics Specialist
Doha, QAT
PayTech Group seeks a Cards Analytics Specialist for a 12-month contract in Doha, Qatar. The role involves portfolio performance reporting, segmentation analysis, campaign measurement, and data-driven decision support fo
UAT Tester
Doha, QAT
PayTech Group seeks a UAT Tester for Cards & Payments to lead User Acceptance Testing for card launches, enhancements, and compliance-driven programs. The role requires 5-8 years of UAT/QA testing in banking and payments
Partnership Manager- Merchant Partnerships & Loyalty
Doha, QAT
PayTech Group is seeking a Partnerships Manager for Merchant Partnerships & Loyalty in Doha, Qatar, on an 18-month term. The role involves merchant acquisition, relationship management, offer design, and cross-functional
Senior Manager SME Acquisition & Sales Enablement (SME Cards)
Riyadh, KSA
Job Title: Senior Manager SME Acquisition & Sales Enablement (SME Cards) Employment type: Contract (On-site) Contract length: 12 months Location: Riyadh, KSA PURPOSE OF THE PROJ...
Senior Manager SME Cards Portfolio Growth
Riyadh, KSA
Job Title: Senior Manager – SME Cards Portfolio Growth, Customer Lifecycle & Engagement Employment type: Contract (On-site) Contract length: 12 months Location: Riyadh/ Jeddah, ...
Partnership Manager- Merchant Partnerships & Loyalty
Doha, QAT
UAT Tester
Doha, QAT
Cards Analytics Specialist
Doha, QAT
Cards Analytics Specialist
Doha, QAT
UAT Tester
Doha, QAT
Partnership Manager- Merchant Partnerships & Loyalty
Doha, QAT
Senior Manager SME Acquisition & Sales Enablement (SME Cards)
Riyadh, KSA
Senior Manager SME Cards Portfolio Growth
Riyadh, KSA