Senior Credit Cards Product & Portfolio Expert
Location - Riyadh, Saudi Arabia
About the Role We are seeking a seasoned Senior Credit Cards Product & Portfolio Expert to lead the development, management, and optimization of our credit card products. This role is pivotal in driving portfolio growth, enhancing customer experience, and ensuring profitability through data-driven strategies. The ideal candidate will bring deep expertise in retail banking, cards, and payments, with a proven track record in product launches, customer lifecycle management, and strategic partnerships.
Key Responsibilities
Product Strategy & Portfolio Management
- Lead and execute credit card strategies to drive spend, retention, and profitability.
- Manage the full product lifecycle, including proposition design, pricing, features, and benefits.
- Monitor and improve portfolio metrics such as activation, spend per card, attrition, and profitability.
- Optimize P&L by balancing interchange income, rewards, fees, and cost structures.
- Design and enhance loyalty and rewards programs to boost customer engagement.
Digital & Customer Experience
- Champion digital-first initiatives across acquisition, servicing, and engagement journeys.
- Enhance mobile and online card management capabilities, enabling fintech integrations.
- Leverage data analytics to personalize customer offers and campaigns.
Project & Change Management
- Lead cross-functional projects, including product launches and system migrations.
- Ensure timely execution of initiatives with strong governance and stakeholder alignment.
Partnerships & Business Development
- Manage relationships with card schemes and key partners.
- Develop merchant and ecosystem partnerships to enhance customer value.
Leadership & Capability Building
- Act as a subject matter expert, supporting leadership on card strategy and execution.
- Mentor and develop internal teams to strengthen organizational expertise in cards.
Requirements
- 12+ years of experience in cards/retail banking with strong product and portfolio management expertise.
- In-depth product knowledge of credit cards is essential.
- Proven experience in product launches, CVP development, and customer lifecycle management.
- Strong understanding of debit, credit, and prepaid card portfolios.
- Expertise in campaign execution, segmentation, and data-driven decision-making.
- Solid knowledge of cards profitability metrics and performance analytics.
- Experience in project management, stakeholder management, and regulatory compliance.
- Familiarity with market practices in banking and fluency in Arabic (mandatory).
- Bachelor's degree required.
What We Offer
- Competitive salary and benefits package.
- Opportunity to be part of a fast-paced, growing startup with strong career growth potential.
- Ownership of initiatives with clear responsibilities.
- Continuous coaching and mentoring from senior data scientists and AI experts worldwide.
- A dynamic, respectful, and collaborative work environment.
Interested Candidates can mail their cv at [Confidential Information] or call at 8467054123
