Job Title: Cards Portfolio Management Specialist

Term: 12 months

Location: Riyadh, KSA

Division: Retail Banking/ Cards & Payments

Relevant experience:

8 -10 Years Cards Portfolio Management
Customer lifecycle management
Spend and balance build campaign

Mandatory requirements:

Cards Cross-border payments, ecommerce, and merchant partnerships
Campaign execution, customer segmentation, and performance analytics

PURPOSE OF THE PROJECT

Strategic advisory and execution support for cards portfolio optimization initiatives spanning across key KPIs like ENR, spend, authorization etc. To drive growth in card activation, customer engagement, utilization, balance build through strategic planning, campaign execution, and portfolio optimization—leveraging data analytics, merchant partnerships and other lifecycle management tools

Key Activities

Core Responsibilities And Accountabilities

Analyze portfolio trends and develop strategies to improve activation, usage and retention
Support to develop and implement strategies to grow the credit card portfolio in line with the business targets
Support the initiatives related to customer engagement & balance build. This includes end to end management of campaigns across channels to grow spends and balances
Support the credit card instalment plans strategy, including design and construct of payment plans, implementation of an effective sales strategy and optimizing revenues
Design and implement lifecycle campaigns and customer engagement programs and be 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 campaign and offers
Optimize portfolio performance through segmentation, targeting, and offer personalization.
Provide execution support for campaign rollout, tracking, and reporting.
Liaise with internal and 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.
Develop financial forecasts and budgets, monitor actual performance vs. targets & identify opportunities to mitigate any headwinds

KPIs

Increase in plastic activation rate, spend activation rate, spend/card etc.
Improve card utilization, ENR/card, installment sales.
Manage credit limit increase and decrease activities
Data driven portfolio campaigns along with pre campaign and post campaign results
Customer engagement and activation metrics
Development of new partnerships to supplement value for cardholders
Portfolio growth and retention rates
Timely execution of planned initiatives

Knowledge And Experience

8 -10 years in banking, payments, or consulting with a focus on credit card portfolio optimization, digital engagement, 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 will be a big plus
Fluent English required, Arabic fluency preferred
Comfortable with significant client interaction and interest in building relationships
Proven track record in campaign execution, customer segmentation, and performance analytics.
Advanced Word, Excel, and PowerPoint skills required, knowledge of Project Management tools preferred
Analytical skills

Mandatory Skills**

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 with a focus on delivering exceptional service and value