naukri

Senior Manager SME Cards Portfolio Growth

PayTech Group

Riyadh, KSA

Contract

Manager

Onsite

1 weeks ago

SQLData AnalysisCustomer SegmentationCampaign ManagementPortfolio ManagementCustomer Lifecycle Management

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About the Role

Job Title: Senior Manager – SME Cards Portfolio Growth, Customer Lifecycle & Engagement Employment type: Contract (On-site) Contract length: 12 months Location: Riyadh/ Jeddah,.

Key Skills for This Role

SQLData AnalysisCustomer SegmentationCampaign ManagementPortfolio ManagementCustomer Lifecycle Management

Responsibilities

Develop and execute the SME Cards portfolio growth strategy aligned with bank's SME and Cards business objectives
Define annual and quarterly growth targets covering spend, activation, engagement, loyalty, enrolment, retention, and profitability
Identify portfolio growth opportunities through data analysis, customer segmentation, and market intelligence
Own the end to end SME Cards customer lifecycle framework
Develop customer journey strategies based on behavioural, transactional, and portfolio insights
Create trigger based campaigns to increase engagement and improve customer experience
Design and implement retention programs to minimize customer attrition and increase cardholder activity
Develop next best action frameworks to improve customer engagement and wallet share
Develop and execute initiatives to increase card spend across domestic, e commerce, and international transactions
Drive spends activation programs targeting newly activated cardholders
Design targeted offers, promotions, and merchant funded campaigns to stimulate portfolio growth
Develop programs to accelerate e commerce and digital payment adoption among SME customers

Requirements

Bachelor's Degree in Business, Finance, Marketing, Economics, Statistics, Data Analytics, or related field
Minimum 10+ years of banking experience
Proven experience managing spend stimulation, activation, retention, reactivation, and customer engagement programs
Demonstrated experience developing and executing cross sell and upsell strategies within banking environments
Strong understanding of card economics, customer profitability, loyalty ecosystems, and customer journey management
Experience working with CRM platforms and campaign management tools
GCC banking experience; KSA banking experience strongly preferred
Strong proficiency in SQL for customer segmentation, campaign targeting, portfolio analysis, and performance reporting
Excellent analytical and problem solving capabilities, including advanced Microsoft Excel skills
Experience with Power BI, Tableau, SAS, CRM platforms, or similar analytics tools preferred
Excellent communication skills in English; Arabic preferred

Full Job Posting

Purpose of the Project

The Senior Manager – SME Cards Portfolio Growth, Customer Lifecycle & Engagement will be responsible for driving the performance and profitability of the SME Cards portfolio following card issuance and activation.
The role will own the end to end customer lifecycle strategy, focusing on increasing card activation, spend, engagement, enrolment, loyalty participation, customer retention, and portfolio profitability.
The individual will design and execute data driven portfolio campaigns, customer engagement initiatives, spend stimulation programs, and cross sell strategies to maximize customer lifetime value and wallet share.

Core Responsibilities and Accountabilities

Develop and execute the SME Cards portfolio growth strategy aligned with the bank's SME and Cards business objectives.
Define annual and quarterly growth targets covering spend, activation, engagement, loyalty, enrolment, retention, and profitability.
Identify portfolio growth opportunities through data analysis, customer segmentation, and market intelligence.
Establish strategies to drive higher customer engagement and increase product penetration within the SME customer base.
Own the end to end SME Cards customer lifecycle framework.
Develop customer journey strategies based on behavioural, transactional, and portfolio insights.
Create trigger based campaigns to increase engagement and improve customer experience.
Design and implement retention programs to minimize customer attrition and increase cardholder activity.
Develop next best action frameworks to improve customer engagement and wallet share.
Develop and execute initiatives to increase card spend across domestic, e commerce, and international transactions.
Drive spends activation programs targeting newly activated cardholders.
Identify opportunities to increase average spend per active card and transaction frequency.

Spend Stimulation & Portfolio Utilization

Design targeted offers, promotions, and merchant funded campaigns to stimulate portfolio growth.
Monitor spending trends and develop corrective actions to address declining engagement or utilization.

e Commerce Growth & Digital Engagement

Develop programs to accelerate e commerce and digital payment adoption among SME customers.
Increase e commerce penetration and transaction volumes through targeted campaigns and customer education initiatives.
Collaborate with Digital Banking teams to improve the online customer journey and promote digital card usage.
Identify opportunities to shift payment behaviour from traditional payment methods to card based transactions.
Monitor digital engagement performance and optimize campaigns to maximize digital spend growth.

Loyalty, Rewards & Customer Engagement

Manage and optimize the SME Cards loyalty and rewards proposition.
Design loyalty campaigns that drive spend growth, activation, customer retention, and portfolio profitability.
Develop partnerships and reward propositions to strengthen customer engagement and differentiation.
Monitor loyalty participation, redemption trends, and customer satisfaction levels.
Recommend enhancements to loyalty programs based on market trends and customer insights.

Cross Sell & Portfolio Deepening

Develop, execute targeted cross sell, and upsell campaigns to increase product penetration within the SME customer base.
Partner with SME Banking, Business Banking, and Product teams to identify opportunities to promote SME Lending Products, Business Accounts, Merchant Acquiring Solutions, Payroll Services, Trade and Working Capital Solutions, Insurance Products, Digital Banking Services, Additional Card Products.
Develop customer segmentation models to identify high potential cross sell opportunities.
Measure and track cross sell campaign effectiveness and portfolio expansion performance.
Implement strategies to increase customer lifetime value and overall relationship profitability.

Knowledge and Experience

Bachelor's Degree in Business, Finance, Marketing, Economics, Statistics, Data Analytics, or a related field. MBA or relevant postgraduate qualification preferred.
Minimum 10+ years of banking experience.
Proven experience managing spend stimulation, activation, retention, reactivation, and customer engagement programs.
Demonstrated experience developing and executing cross sell and upsell strategies within banking environments.
Strong understanding of card economics, customer profitability, loyalty ecosystems, and customer journey management.
Experience working with CRM platforms and campaign management tools.
GCC banking experience. KSA banking experience is strongly preferred.
Strong proficiency in SQL for customer segmentation, campaign targeting, portfolio analysis, and performance reporting.
Excellent analytical and problem solving capabilities. Including advanced Microsoft Excel skills.
Experience with Power BI, Tableau, SAS, CRM platforms, or similar analytics tools is preferred.
Strong understanding of customer data models and portfolio reporting frameworks.

Mandatory Skills

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); Arabic preferred.

Preferred Skills

The ability to 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.

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