Portfolio Manager – Commercial Cards

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Job Title: Portfolio Manager – Commercial Cards
Term: 6 - 12 months
Location: Riyadh, Saudi Arabia
Division: Cards
Reports to: TBC

As a Portfolio Manager – Commercial Cards, the role involves strategic management of client relationships, ensuring high levels of satisfaction and engagement, and driving revenue growth through tailored portfolio management initiatives. The ideal candidate will possess strategic advisory and execution support for cards portfolio optimisation initiatives spanning across key KPIs such as ENR, spend, and authorisation to drive growth in card activation, customer engagement, utilisation, and balance build through strategic planning, campaign execution, and portfolio optimisation leveraging data analytics, merchant partnerships, and other lifecycle management tools.

• Develop and maintain strong, long‑term relationships with senior stakeholders.
• Conduct regular business reviews and strategy sessions with clients to identify opportunities for growth and improvement.
• Analyse portfolio trends and develop strategies to improve activation, usage, and retention.
• Optimise portfolio performance through segmentation, targeting, and personalization; provide execution support for campaign rollout, tracking, and reporting.
• Support initiatives related to customer engagement and balance build, managing end‑to‑end campaigns across channels.
• Collaborate with MIS teams to improve existing reports and develop new reports; prepare and present regular reports and presentations to senior management and clients.
• Assist in launching new products and improving existing ones by tracking profitability and acquisition across different channels.

• 8‑10 years of experience in commercial banking, payments, or consulting with a strong focus on cards and lending products, customer engagement, and portfolio optimisation.
• Proven track record of managing, optimising, and growing large commercial portfolios, delivering sustainable revenue growth and improved customer outcomes.
• Strong understanding of commercial banking products, payment ecosystems, customer lifecycle management, and core banking operations.
• Excellent communication, stakeholder management, and negotiation skills, with the ability to influence cross‑functional teams and senior stakeholders.
• Strong analytical capability, with experience interpreting complex data sets to derive insights, develop strategic initiatives, and drive informed decision‑making.

• Deep understanding of commercial cards customer lifecycle—including acquisition, onboarding, activation, engagement, retention, attrition management, and exit—all with the ability to design strategies across each stage.
• Portfolio management expertise across commercial banking products (cards, deposits, lending, digital offerings), including assessing portfolio health, forecasting performance, identifying risks or underperformance, and driving strategic course correction.
• Strong commercial and financial acumen, with a clear understanding of how portfolios contribute to overall P&L, margins, growth objectives, and risk trade‑offs, and the ability to balance profitability with customer value.

• Understanding of payment systems, digital platforms, APIs, system workflows, security basics, and industry technologies.
• Knowledge of regional regulations across financial services or payment networks.
• Excellent communication skills (written, verbal, and presentation) in English; proficiency in Arabic is an advantage.

Apply now to join Pay Tech Group’s dynamic cards team and help shape the future of commercial cards in the Middle East.