Cards Portfolio Management Specialist

PayTech Group

Key Activities

Core Responsibilities and Accountabilities

• Analyze portfolio trends and develop strategies to improve activation, usage and retention
• Support to develop and implement strategies to grow the credit card portfolio in line with the business targets
• Support the initiatives related to customer engagement & balance build. This includes end to end management of campaigns across channels to grow spends and balances
• Support the credit card instalment plans strategy, including design and construct of payment plans, implementation of an effective sales strategy and optimizing revenues
• Design and implement lifecycle campaigns and customer engagement programs and be responsible for end to end campaign management and driving appropriate customer communication.
• Collaborate with internal stakeholders and external partners to ensure smooth execution of all campaign and offers
• Optimize portfolio performance through segmentation, targeting, and offer personalization.
• Provide execution support for campaign rollout, tracking, and reporting.
• Liaise with internal and stakeholders to align on campaign objectives and KPIs.
• Ensure compliance with internal approvals and regulatory requirements.
• Help manage the financial performance of the credit card portfolio. Develop financial forecasts and budgets, monitor actual performance vs. targets & identify opportunities to mitigate any headwinds

KPIs

• Increase in plastic activation rate, spend activation rate, spend/card etc.
• Improve card utilization, ENR/card, installment sales.
• Manage credit limit increase and decrease activities
• Data driven portfolio campaigns along with pre campaign and post campaign results
• Customer engagement and activation metrics
• Development of new partnerships to supplement value for cardholders
• Portfolio growth and retention rates
• Timely execution of planned initiatives

Knowledge and Experience

• 8 -10 years in banking, payments, or consulting with a focus on credit card portfolio optimization, digital engagement, card product management (Regional experience preferred)
• Bachelors degree or equivalent qualification. Advanced degree or MBA preferred
• Knowledge of Cards P&L, Revenue, Loyalty programs and campaign management will be a big plus
• Fluent English required, Arabic fluency preferred
• Comfortable with significant client interaction and interest in building relationships
• Proven track record in campaign execution, customer segmentation, and performance analytics.
• Advanced Word, Excel, and PowerPoint skills required, knowledge of Project Management tools
• preferred
• Analytical skills

Mandatory Skills**

• Results-oriented with a strong drive for achieving targets and KPIs
• Creative and innovative thinker with a passion for developing new solutions
• Team player with strong leadership and project management skills
• Customer-centric mindset with a focus on delivering exceptional service and value