We are seeking an experienced Cards Portfolio Management Specialist for an exciting opportunity in Riyadh. The ideal candidate will bring strong expertise in credit card portfolio growth, customer engagement, campaign execution, and portfolio optimization within the banking or payments industry.

Key Responsibilities

✅ Drive card activation, spend growth, utilization, and retention initiatives

✅ Manage customer lifecycle and engagement campaigns

✅ Execute spend and balance build programs

✅ Optimize portfolio performance through customer segmentation, targeting, and offer personalization

✅ Support cross-border payments and e-commerce card growth initiatives

✅ Develop and manage merchant partnerships and cardholder offers

✅ Monitor portfolio KPIs, campaign performance, and revenue optimization

✅ Support installment plans strategy and balance conversion programs

Mandatory Requirements

✔️ 8–10 years of experience in Banking, Payments, or Consulting with a focus on Credit Cards Portfolio Management

✔️ Strong experience in:

Cards Portfolio Management

Cross-Border Payments

E-commerce Cards

Merchant Partnerships

Campaign Execution

Customer Segmentation

Performance Analytics

Customer Lifecycle Management

Spend & Balance Build Campaigns

✔️ Proven track record in managing portfolio KPIs such as activation, spend, utilization, retention, and portfolio growth

✔️ Strong analytical and stakeholder management skills

✔️ Advanced Excel, PowerPoint, and reporting skills

✔️ Bachelor's Degree (MBA or advanced degree is a plus)

✔️ Fluent English (Arabic is preferred)

Preferred Background

⭐ Credit Cards Portfolio Management

⭐ Cards Product Management

⭐ Cards Business Management

⭐ Loyalty & Rewards Programs

⭐ GCC Banking Experience