Portfolio Manager Credit Cards

الرياض - السعودية

الراتب شهرياً: لم يكشف

تاريخ النشر: نُشرت قبل 12 ساعة

عدد الوظائف الشاغرة: 1 عدد الوظائف الشاغرة

سجل للتقديم

ملخص الوظيفة

Job Title: Portfolio Manager - Credit Cards

Term: 6-12 months

Location: Riyadh KSA

Division: Cards

Reports to: TBC

PURPOSE OF THE PROJECT

The Portfolio Growth & Engagement Manager is responsible for driving portfolio growth through targeted spend stimulation international spend optimisation customer reactivation creditline management card upgrades and end-to-end lifecycle engagement. Own strategies that increase active usage portfolio revenue customer loyalty and long term profitability.

Core Responsibilities and Accountabilities:

Develop strategies to increase domestic and international spend including category based campaigns merchant partnerships and targeted offers.
Analyse segment level spend behaviour (cross border usage travel cards high value segments).
Monitor shifts in wallet share and implement interventions to increase card on file and every day spend penetration.
Identify customer cohorts with high travel potential and design FX spend and cross border promotions.
Enhance propositions around global acceptance rewards multipliers and international merchant offers.
Track FX revenue cross border decline rates and fraud trends; collaborate with risk/ops to improve international acceptance.
Build and manage dormant and low activity customer reactivation strategies (email SMS in-app rewards nudges).
Develop lifecycle triggers (D30 D60 D90 inactivity) and personalized offers to restart spend.
Partner with analytics to measure lift ROI and retention from reactivation campaigns.
Design and oversee proactive and customer initiated CLI programs balancing growth and risk.
Work with Credit Risk online assignment models eligibility rules and vintage monitoring.
Test CLIs to improve spend capacity utilization and customer satisfaction while controlling delinquency impacts.
Identify upgrade eligible customers (premium seeking high spenders high potential segments).
Run upgrade journeys and personalized offers to shift customers to higher value products.
Manage product migration analysis revenue uplift and risk metrics postmigration.
Own strategies to grow ENR through retention usage stimulation cross-sell upgrade and reduced attrition.
Track customer lifecycle metrics: activation rate early month-on-book health spend ramp up and attrition drivers.
Use predictive models to proactively intervene for at risk customers.
Monitor KPIs (spend utilization activation ENR FX revenue rewards cost charge offs).
Perform segmentation cohort analysis A/B testing and customer journey diagnostics.
Prepare monthly business reviews and leadership presentations.
Partner with Marketing to design spend campaigns autoresponder journeys and channel specific nudges.
Work closely with Product to refine rewards pricing card benefits and international features.
Align with Operations and Technology on lifecycle automation offer delivery and digital journeys.
Ensure adherence to regulatory requirements (Reg Z UDAAP FCRA etc.).
Support audits model reviews and risk assessments tied to spend or CLI strategies.

Knowledge and Experience:

10 years of experience in credit cards and portfolio management including the ability to drive portfolio profitability across acquisition activation usage and retention levers.
Strong analytical skills including translating complex data into actionable insights. Skilled in segmentation cohort analysis forecasting ROI evaluation and performance diagnostics.
Deep understanding of the end-to-end customer journey from onboarding and early-month-on-book performance to maturity attrition and reactivation.
Good understanding of credit-risk metrics revenue drivers and cost behaviours

Mandatory Skills:

Previous experience within Banking Payment & Card solutions or the FinTech industry
Data-driven strategist with a deep understanding of spend drivers customer behaviour and portfolio performance levers.
Strong commercial and portfolio acumen combining P&L understanding with disciplined risk-reward judgment.
Collaborative customer-centric leader with a track record of driving cross-functional execution.
Excellent communication skills (written verbal and presentation) in English; proficiency in Arabic is an advantage.

Preferred Skills:

An understanding of regional regulations across financial services or payment networks
Regional experience across the GCC.

Job Title: Portfolio Manager - Credit Cards Term: 6-12 months Location: Riyadh KSA Division: Cards Reports to: TBC PURPOSE OF THE PROJECT The Portfolio Growth & Engagement Manager is responsible for driving portfolio growth through targeted spend stimulation international spend optimisation customer...