Cards Portfolio Manager

: Cards Portfolio Manager

Location

Purpose Of The Project

Portfolio Strategy & Performance Management

• Manage end-to-end performance of the card's portfolio, including credit, debit, and prepaid card products.
• Monitor key KPIs such as activation rates, spend per card, utilization, attrition, and profitability.
• Develop and implement strategies to grow portfolio revenue and optimize customer value.
• Track portfolio trends and provide insights to senior management through regular reporting.

Customer Lifecycle & Campaign Management

• Design and execute customer lifecycle strategies (acquisition, onboarding, activation, usage, retention).
• Lead targeted campaigns using segmentation and personalization to increase engagement and spend.
• Manage end-to-end campaign execution including planning, tracking, and performance evaluation.
• Drive initiatives to reduce dormancy and improve reactivation rates.

Product Development & Innovation

• Support development and launch of new card products, features, and value propositions.
• Work closely with payment network partners on product enhancements
• Identify opportunities for innovation (digital payments, e-commerce, cross-border usage).

Data Analytics & Insights

• Analyze portfolio data to identify customer behavior trends and growth opportunities
• Use insights to optimize pricing, credit limits, and usage strategies.
• Prepare dashboards and MIS reports to monitor portfolio health and campaign performance.
• Provide actionable insights to improve decision-making and business outcomes.

Risk, Compliance & Governance

• Monitor credit risk indicators (e.g., delinquency rates, loss ratios) and implement mitigation strategies.
• Ensure compliance with SAMA regulations and internal policies.
• Balance growth objectives with risk appetite and portfolio quality.

Stakeholder Management

• Collaborate with cross-functional teams (Risk, Marketing, Finance, Operations, IT).
• Liaise with payment networks and external partners to support business initiatives.
• Present portfolio performance, strategies, and recommendations to senior leadership.
• Knowledge and Experience:
• 5 - 7 years' experience in portfolio management within cards.
• Proven experience working in Saudi Arabia (knowledge of local market and SAMA regulations preferred).
• Strong knowledge of credit, debit, and prepaid card products and lifecycle strategies
• Experience in GCC banking environment is an added advantage.
• Strong analytical and data-driven decision-making skills.
• Deep understanding of card economics and payment ecosystems.
• Portfolio and lifecycle management expertise.
• Strategic thinking with strong commercial acumen.
• Stakeholder management and communication skills.
• Proficiency in MS Project, PowerPoint, and advanced Excel skills.

Mandatory Skills

• Bachelor's degree in Finance, Economics, Business Administration, Computer Science, Information Technology, or a related field (Master's preferred).
• 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); fluency in Arabic is an advantage.

Preferred Skills

• The ability to analyse data, 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.