Portfolio Analytics Analyst (Cards)
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Key skills for this role
About the Role
Innovations Global seeks a Cards Analytics Specialist to strengthen data-driven decision-making across the card lifecycle. The role involves portfolio performance reporting, segmentation analysis, campaign measurement, and data-driven decision support.
Key Skills for This Role
Responsibilities
- Build, maintain, and deliver recurring and ad hoc performance dashboards covering acquisition, activation, spend, ENR, delinquency, attrition, and profitability metrics across the card portfolio.
- Conduct deep dive analyses on portfolio segments (by product, channel, customer cohort, vintage) to identify performance drivers, risks, and growth opportunities.
- Design and execute pre/post campaign analytics including control group methodology, ROI calculation, and response rate analysis to measure and optimise marketing and engagement campaigns.
- Provide structured analytical support to Cards Product, Portfolio, Marketing, and Risk teams through insight packs, business cases, and scenario analyses.
- Identify opportunities to improve data integrity, automate recurring reports, and enhance self serve analytics capabilities for business users.
- Develop and maintain interactive dashboards and visualisations (Tableau / Power BI) that enable stakeholders to self serve on key portfolio metrics.
- Translate analytical findings into clear, concise insight packs and presentations for senior management.
- Collaborate cross functionally with Product, Marketing, Risk, Operations, and Finance teams to ensure data consistency and align on KPI definitions.
- Continuously improve data extraction, transformation, and reporting processes automating manual workflows and enhancing data quality controls.
Requirements
- 7 years in a cards analytics, portfolio analytics, or business intelligence role within banking, payments, or fintech
- SQL proficient in writing complex queries for large datasets (mandatory)
- Excel advanced (pivot tables, VLOOKUP/INDEX MATCH, data modelling, macros) (mandatory)
- Tableau and/or Power BI dashboard design and interactive reporting (mandatory)
- Strong data storytelling and presentation skills
- Proactive problem solving and intellectual curiosity
- Ability to manage multiple concurrent requests and prioritise effectively
- Collaborative mindset comfortable working across Product, Marketing, Risk, and Finance teams
- Attention to detail with a commitment to data accuracy and quality
Full Job Posting
Purpose of the role
- The Cards Product and Portfolio teams require dedicated analytical capacity to strengthen data driven decision making across the card lifecycle; from acquisition and activation through spend growth, retention, and profitability. This role exists to embed a specialist analytics resource who will own
Core Responsibilities and Accountabilities
- Portfolio performance reporting & monitoring (~35%) Build, maintain, and deliver recurring and ad hoc performance dashboards covering acquisition, activation, spend, ENR, delinquency, attrition, and profitability metrics across the card portfolio.
- Portfolio diagnostics & segmentation analysis (~25%) Conduct deep dive analyses on portfolio segments (by product, channel, customer cohort, vintage) to identify performance drivers, risks, and growth opportunities.
- Campaign measurement & effectiveness analysis (~20%) Design and execute pre/post campaign analytics including control group methodology, ROI calculation, and response rate analysis to measure and optimise marketing and engagement campaigns.
- Data driven decision support (~15%) Provide structured analytical support to Cards Product, Portfolio, Marketing, and Risk teams through insight packs, business cases, and scenario analyses that inform strategic and tactical decisions.
- Data quality & automation (~5%) Identify opportunities to improve data integrity, automate recurring reports, and enhance self serve analytics capabilities for business users.
- Own and deliver the recurring cards portfolio performance reporting suite (daily/weekly/monthly), ensuring timely, accurate, and insight rich output.
- Diagnose portfolio health by conducting segmentation, cohort, vintage, and trend analyses across the card lifecycle.
- Design and execute campaign measurement frameworks including A/B testing structures, control groups, uplift calculations, and ROI analysis.
- Develop and maintain interactive dashboards and visualisations (Tableau / Power BI) that enable stakeholders to self serve on key portfolio metrics.
- Translate analytical findings into clear, concise insight packs and presentations for senior management.
- Collaborate cross functionally with Product, Marketing, Risk, Operations, and Finance teams to ensure data consistency and align on KPI definitions.
- Continuously improve data extraction, transformation, and reporting processes automating manual workflows and enhancing data quality controls.
Knowledge and Experience
- 7 years in a cards analytics, portfolio analytics, or business intelligence role within banking, payments, or fintech.
- Exposure to retail banking, consumer lending, or credit risk analytics preferred.
- Cards portfolio management concepts: acquisition funnels, activation rates, spend behaviour, ENR/balance build, attrition, delinquency, and profitability drivers.
- Understanding of card P&L structure (interchange income, fee income, cost of funds, scheme fees, provision/write off).
- Campaign lifecycle analytics: targeting, segmentation, control group design, uplift measurement, and ROI.
- Familiarity with card scheme reporting (performance dashboards and benchmarking tools) preferred.
- SQL proficient in writing complex queries for large datasets (mandatory).
- Excel advanced (pivot tables, VLOOKUP/INDEX MATCH, data modelling, macros) (mandatory).
- Tableau and/or Power BI dashboard design and interactive reporting (mandatory).
- Python or R for statistical analysis, data manipulation, and automation preferred.
- SAS portfolio analytics and data extraction preferred.
- CRM and campaign management platforms (e.g., Salesforce Marketing Cloud, Adobe Campaign, SAS CI) preferred.
KPIs
- Reporting timeliness & accuracy % of scheduled reports delivered on time with <2% error rate.
- Dashboard adoption % of stakeholders actively using self serve dashboards (target: 70%+ monthly active users).
- Campaign ROI measurement coverage % of card campaigns with completed pre/post analysis delivered within 10 business days of campaign close.
- Insight to action conversion Number of analytical recommendations adopted by Product/Marketing per quarter.
- Ad hoc request turnaround Average time to deliver ad hoc analytical requests (target: ≤3 business days).
- Automation rate Number of manual reports converted to automated/self serve per quarter.
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