Cards Portfolio Management Specialist

Overview

JOB TITLE :

Cards Portfolio Management Specialist TERM :

12 months (with potential extension) CLIENT LOCATION :

Riyadh, Saudi Arabia (on-site) DIVISION :

Retail Banking / Cards & Payments REPORTS TO :

Head of Cards & Payments RELEVANT EXPERIENCE : 8 - 10 years in Cards Portfolio Management Customer lifecycle management Spend and balance build campaigns MANDATORY REQUIREMENTS : Cards cross-border payments, e-commerce, and merchant partnerships Campaign execution, customer segmentation, and performance analytics PURPOSE OF THE PROJECT :

Strategic advisory and execution support for cards portfolio optimization initiatives spanning key KPIs like ENR, spend, authorization, etc. To drive growth in card activation, customer engagement, utilization, and balance build through strategic planning, campaign execution, and portfolio optimization leveraging data analytics, merchant partnerships and other lifecycle management tools Key Activities & Core Responsibilities : 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 business targets Support initiatives related to customer engagement & balance build, including 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; 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 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 and identify opportunities to mitigate headwinds KPIs : Increase in plastic activation rate, spend activation rate, spend / card Improve card utilization, ENR / card, installment sales Manage credit limit increase and decrease activities Data-driven portfolio campaigns with pre- and post-campaign results Customer engagement and activation metrics Development of new partnerships to add value for cardholders Portfolio growth and retention rates Timely execution of planned initiatives Knowledge & 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) Bachelor’s degree or equivalent qualification; advanced degree or MBA preferred Knowledge of Cards P&L, revenue, loyalty programs and campaign management a big plus Fluent in English; Arabic fluency preferred Comfortable with significant client interaction and relationship-building Proven track record in campaign execution, customer segmentation, and performance analytics Advanced Word, Excel, and PowerPoint; knowledge of project management tools 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 Job Details : Seniority level : Not Applicable Employment type : Full-time Job function : Finance and Sales Industries : Business Consulting and Services Riyadh, Saudi Arabia

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