Cards Portfolio Manager
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Key skills for this role
About the Role
PayTech Group seeks a Cards Portfolio Manager for a 12-month contract in Riyadh to manage and optimize credit, debit, and prepaid card portfolios. The role involves driving profitability, customer engagement, and lifecycle performance through data-driven strategies while ensuring compliance with SAMA regulations.
Key Skills for This Role
Responsibilities
- Manage end to end performance of credit, debit, and prepaid card portfolios
- 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
- 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)
Requirements
- 5 7 years of experience in card portfolio management
- Proven experience working in Saudi Arabia
- Bachelor's degree in Finance, Economics, Business Administration, Computer Science, IT, or related field (Master's preferred)
- Experience in banking, digital payments, card solutions, or FinTech
- Excellent communication skills in English; 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, focusing on profitability, customer engagement, and lifecycle performance through data driven strategies while ensuring compliance.
Core Responsibilities and Accountabilities
- Manage end to end performance of the card portfolio including credit, debit, and prepaid 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 fast paced matrix organization.
- Excellent communication skills in English (written, verbal, and presentation); fluency in Arabic is an advantage.
Preferred Skills
- Ability to analyze 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.
- Understanding of regional regulations across financial services or payment networks.
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