Senior Credit Cards Product and Portfolio Expert
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Key skills for this role
About the Role
NeoStats seeks a Senior Credit Cards Product and Portfolio Expert to support the Head of Cards in shaping and executing the bank's cards strategy in Riyadh. The role requires deep product knowledge, project management skills, and digital banking expertise to boost spend, engagement, and profitability.
Key Skills for This Role
Responsibilities
- Lead the cards strategy to grow spend, retention, and profitability, with focus on platinum and world portfolios
- Manage end to end product lifecycle including proposition design, features, benefits, and pricing
- Enhance portfolio performance metrics (activation, spend per card, attrition, profitability) through targeted actions
- Optimize P&L management by balancing interchange, rewards, fees, and cost structures
- Design loyalty and rewards programs that drive daily spend and customer stickiness
- Champion digital first journeys for acquisition, servicing, rewards, and customer engagement
- Lead large scale, cross functional projects and system migrations with structured governance
- Manage relationships with schemes and negotiate portfolio enhancing partnerships
Requirements
- Minimum 12–15 years in cards/retail banking, with ideally 5 years in leadership roles
- Strong expertise in credit card product management and portfolio growth delivery
- Proven background in digital banking and project management
- Knowledge of the Saudi banking market, SAMA regulations, and payment trends
- Bilingual in Arabic and English (spoken and written)
- Bachelor’s degree required
Full Job Posting
About the Job
- The resource will support the Head of Cards in shaping and executing the bank’s cards strategy, with a mandate to boost spend, engagement, and profitability across a large platinum base and premium segments.
- This role requires deep product knowledge, strong project management skills, and digital banking expertise to address the current gaps in cards capability, reduce reliance on acquisition campaigns, and establish a sustainable growth path.
Responsibilities
- Product Strategy & Portfolio Management: Lead the cards strategy to grow spend, retention, and profitability, with focus on platinum and world portfolios.
- Manage the end to end product lifecycle including proposition design, features, benefits, and pricing.
- Enhance portfolio performance metrics (activation, spend per card, attrition, profitability) through targeted actions.
- Optimize P&L management by balancing interchange, rewards, fees, and cost structures.
- Design loyalty and rewards programs that drive daily spend and customer stickiness.
- Support sales teams with training, tools, and product knowledge to drive acquisition and usage.
- Recommend promotional campaigns and tactical plans to boost card performance.
- Supports monitoring of product performance, post roll out and helps resolve product or sales issues.
- Support in delivery of large programs for clients from initiation to benefit realization.
- Successful execution of projects across different clients / businesses, identifying and mitigating risks.
- Digital & Customer Experience: Champion digital first journeys for acquisition, servicing, rewards, and customer engagement.
- Enhance mobile and online servicing capabilities for seamless card management.
Requirements
- Minimum 12–15 years in cards/retail banking, with ideally 5 years in leadership roles.
- Strong expertise in credit card product management and portfolio growth delivery.
- Proven background in digital banking and project management.
- Knowledge of the Saudi banking market, SAMA regulations, and payment trends.
- Bilingual in Arabic and English (spoken and written).
- Bachelor’s degree required.
What we offer
- Competitive Salary and Benefits.
- Opportunity to be part of a fast paced and growing startup.
- Ownership – You will own your initiative and be given specific responsibilities.
- Continuous coaching & mentoring.
- Dynamic and respectful work environment.
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