Cards Portfolio Management Specialist

Overview

Analyze portfolio trends and develop strategies to improve activation, usage, and retention. Provide support to develop and implement strategies to grow the credit card portfolio in line with the business targets.

• Support initiatives related to customer engagement and balance build, including end-to-end management of campaigns across channels to grow spends and balances.
• Support the credit card installment plans strategy, including design and construction of payment plans, implementation of an effective sales strategy, and optimization of revenues.
• Design and implement lifecycle campaigns and customer engagement programs, being responsible for end-to-end campaign management and driving appropriate customer communication.
• Collaborate with internal stakeholders and external partners to ensure smooth execution of all campaigns 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, including developing financial forecasts and budgets, monitoring actual performance versus targets, and identifying opportunities to mitigate headwinds.
• Develop data‑driven portfolio campaigns with pre‑campaign and post‑campaign results measurement.
• Develop new partnerships to supplement value for cardholders and drive portfolio growth and retention rates.
• Timely execution of planned initiatives.

• 8–10 years in banking, payments, or consulting with a focus on credit card portfolio optimization, digital engagement, and 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 plus.
• Fluent in English;
  Arabic fluency preferred.
• Comfortable with significant client interaction and interested in building relationships.
• Proven track record in campaign execution, customer segmentation, and performance analytics.
• Advanced skills in Word, Excel, and PowerPoint; knowledge of project management tools preferred.
• 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 focused on delivering exceptional service and value.

• Increase in plastic activation rate, spend activation rate, and spend card metrics.
• Improve card utilization and ENR card installment sales.
• Manage credit limit increase and decrease activities.
• Customer engagement and activation metrics.
• Portfolio growth and retention rates.

• Cards portfolio management.
• Customer lifecycle management.
• Spend and balance build campaign.