Cards Portfolio Manager
Job Fit Check
Base Career helps you apply smarter for this job.
Key skills for this role
About the Role
Job Title: Cards Portfolio Manager Employment type: Contract (On-site) Contract length: 12 months Location: KSA PURPOSE OF THE PROJECT The Cards Portfolio Manager is responsible.
Key Skills for This Role
Responsibilities
- Manage end to end performance of the card portfolio including credit, debit, and prepaid card products
- Monitor key KPIs such as activation rates, spend per card, utilization, attrition, and profitability
- Design and execute customer lifecycle strategies (acquisition, onboarding, activation, usage, retention)
- Lead targeted campaigns using segmentation and personalization to increase engagement and spend
- Support development and launch of new card products, features, and value propositions
- Analyze portfolio data to identify customer behavior trends and growth opportunities
- Monitor credit risk indicators and implement mitigation strategies
- Ensure compliance with SAMA regulations and internal policies
- Collaborate with cross functional teams (Risk, Marketing, Finance, Operations, IT)
- Present portfolio performance, strategies, and recommendations to senior leadership
Requirements
- 5 7 years experience in portfolio management within cards
- Proven experience working in Saudi Arabia
- Strong knowledge of credit, debit, and prepaid card products and lifecycle strategies
- Bachelor's degree in Finance, Economics, Business Administration, Computer Science, Information Technology, or related field
- Excellent communication skills in English
- Fluency in Arabic is an advantage
Full Job Posting
Purpose of the Project
- The Cards Portfolio Manager is responsible for managing, optimizing, and growing the bank's credit, debit, and prepaid card portfolio.
- The role focuses on driving portfolio profitability, customer engagement, and lifecycle performance through data driven strategies, while ensuring compliance with regulatory standards.
Core Responsibilities and Accountabilities
- Manage end to end performance of the card's portfolio, including credit, debit, and prepaid card products.
- Monitor key KPIs such as activation rates, spend per card, utilization, attrition, and profitability.
- Develop and implement strategies to grow portfolio revenue and optimize customer value.
- Track portfolio trends and provide insights to senior management through regular reporting.
- Design and execute customer lifecycle strategies (acquisition, onboarding, activation, usage, retention).
- Lead targeted campaigns using segmentation and personalization to increase engagement and spend.
- Manage end to end campaign execution including planning, tracking, and performance evaluation.
- Drive initiatives to reduce dormancy and improve reactivation rates.
- Support development and launch of new card products, features, and value propositions.
- Work closely with payment network partners on product enhancements.
- Identify opportunities for innovation (digital payments, e commerce, cross border usage).
- Analyze portfolio data to identify customer behavior trends and growth opportunities.
Knowledge and Experience
- 5 7 years' experience in portfolio management within cards.
- Proven experience working in Saudi Arabia (knowledge of local market and SAMA regulations preferred).
- Strong knowledge of credit, debit, and prepaid card products and lifecycle strategies.
- Experience in GCC banking environment is an added advantage.
- Strong analytical and data driven decision making skills.
- Deep understanding of card economics and payment ecosystems.
- Portfolio and lifecycle management expertise.
- Strategic thinking with strong commercial acumen.
- Stakeholder management and communication skills.
- Proficiency in MS Project, PowerPoint, and advanced Excel skills.
Mandatory Skills
- Bachelor's degree in Finance, Economics, Business Administration, Computer Science, Information Technology, or a related field (Master's preferred).
- Previous experience within Banking, Digital Payment & Card solutions or the FinTech industry.
- Regional experience, including working in a faced paced matrix organisation.
- Excellent communication skills in English (written, verbal, and presentation); fluency in Arabic is an advantage.
Preferred Skills
- The ability to analyse data, troubleshoot payment issues, optimize processes, and make data driven decisions.
- Good understanding of payment systems, digital platforms, system workflows, security basics, and industry technologies.
- An understanding of regional regulations across financial services or payment networks.
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