Cards Analytics Specialist

Job Title: Cards Analytics Specialist

Term: 12 months

Location: Doha Qatar

Division: Cards & Payments/ Retail Banking

Reports to: Head of Cards Product/ Head of Cards Portfolio/ Head of Cards Analytics

Relevant experience:

7 years in cards analyticsportfolio analytics or businessintelligence within bankingpayments or financial services

Mandatory requirements:

1. Proficiency in SQL and Excel
2. Demonstrated experience in cardsportfolio analytics (credit and/ordebit) within banking or payments
3. Experience with at least one datavisualisation tool (Tableau PowerBI or equivalent)
4. Professional proficiency in English
5. Immediately available or within 30-day notice

PURPOSE OF THE PROJECT
The Cards Product and Portfolio teams require dedicated analytical capacity to strengthen data-drivendecision-making across the card lifecycle; from acquisition and activation through spend growth retentionand profitability. This role exists to embed a specialist analytics resource who will own the production andinterpretation of portfolio performance reporting diagnose emerging trends and risks measure campaigneffectiveness and translate data into actionable recommendations for senior stakeholders. For the rightcandidate this is an opportunity to directly influence a card portfolios commercial trajectory working at theintersection of product strategy marketing execution and financial performance within a leading financialinstitution.

Key Activities
Core Responsibilities and Accountabilities

• Portfolio performance reporting & monitoring (35%)-Build maintain and deliver recurring and ad-hocperformance dashboards covering acquisition activation spend ENR (Earning Net Revenue)delinquency attrition and profitability metrics across the card portfolio.
• Portfolio diagnostics & segmentation analysis (25%)-Conduct deep-dive analyses on portfoliosegments (by product channel customer cohort vintage) to identify performance drivers risks andgrowth opportunities.
• Campaign measurement & effectiveness analysis (20%)-Design and execute pre/post campaignanalytics including control-group methodology ROI calculation and response-rate analysis to measureand optimise marketing and engagement campaigns.
• Data-driven decision support (15%)-Provide structured analytical support to Cards Product PortfolioMarketing and Risk teams through insight packs business cases and scenario analyses that informstrategic and tactical decisions.
• Data quality & automation (5%)-Identify opportunities to improve data integrity automate recurringreports and enhance self-serve analytics capabilities for business users.
• Own and deliver the recurring cards portfolio performance reporting suite (daily/weekly/monthly) ensuringtimely accurate and insight-rich output that enables the Cards leadership team to track KPIs againsttargets and take corrective action.
• Diagnose portfolio health by conducting segmentation cohort vintage and trend analyses across the cardlifecycle (acquisition activation usage retention attrition) identifying underperforming segmentsand recommending targeted interventions.
• Design and execute campaign measurement frameworks-including A/B testing structures control groupsuplift calculations and ROI analysis-to quantify the impact of card marketing campaigns and provideactionable post-campaign recommendations.
• Develop and maintain interactive dashboards and visualisations (Tableau / Power BI) that enablestakeholders to self-serve on key portfolio metrics reducing ad-hoc request volume and improving decisionspeed.
• Translate analytical findings into clear concise insight packs and presentations for senior managementensuring recommendations are commercially grounded and linked to portfolio P&L levers (interchange feeincome cost of funds provision rates).
• Collaborate cross-functionally with Product Marketing Risk Operations and Finance teams to ensure dataconsistency align on KPI definitions and embed analytics into business planning and campaign executioncycles.
• Continuously improve data extraction transformation and reporting processes-automating manualworkflows and enhancing data quality controls to increase efficiency and reduce error rates.
  
  

KPIs (illustrative)

1. Reporting timeliness & accuracy-% of scheduled reports delivered on time with <2% error rate
2. Dashboard adoption-% of stakeholders actively using self-serve dashboards (target: 70% monthlyactive users)
3. Campaign ROI measurement coverage-% of card campaigns with completed pre/post analysisdelivered within 10 business days of campaign close
4. Insight-to-action conversion-Number of analytical recommendations adopted by Product/Marketingper quarter
5. Ad-hoc request turnaround-Average time to deliver ad-hoc analytical requests (target: 3 businessdays)
6. Automation rate-Number of manual reports converted to automated/self serve per quarter
   
   

Knowledge and Experience

• 7 years in a cards analytics portfolio analytics or business intelligence role within banking payments orfintech
• Exposure to retail banking consumer lending or credit risk analytics preferred
• Cards portfolio management concepts: acquisition funnels activation rates spend behaviour ENR/balancebuild attrition delinquency and profitability drivers
• Understanding of card P&L structure (interchange income fee income cost of funds scheme feesprovision/write-off)
• Campaign lifecycle analytics: targeting segmentation control-group design uplift measurement and ROI
• Familiarity with card scheme reporting ( performance dashboards and benchmarking tools) -preferred
• SQL -proficient in writing complex queries for large datasets (mandatory)
• Excel -advanced (pivot tables VLOOKUP/INDEX-MATCH data modelling macros) (mandatory)
• Tableau and/or Power BI -dashboard design and interactive reporting (mandatory)
• Python or R -for statistical analysis data manipulation and automation preferred
• SAS -portfolio analytics and data extraction -preferred
  
• CRM and campaign management platforms (e.g. Salesforce Marketing Cloud Adobe Campaign SAS CI) -preferred
• Core banking / card management systems (CMS) exposure -preferred
  
• Google Data Analytics Professional Certificate or equivalent demonstrates structured analyticalmethodology
• Certified Analytics Professional (CAP)
• Mastercard Portfolio Management Certification
• Strong data storytelling and presentation skills -ability to translate complex data into clear commerciallyrelevant narratives for senior stakeholders
• Proactive problem-solving and intellectual curiosity
• Ability to manage multiple concurrent requests and prioritise effectively
• Collaborative mindset -comfortable working across Product Marketing Risk and Finance teams
• Attention to detail with a commitment to data accuracy and qualit