Cards Portfolio Specialist

Cards Portfolio Specialist – Strategic Leadership for Credit Card Portfolio Growth

Join our dynamic team as a **Cards Portfolio Specialist**, where you will play a pivotal role in shaping and executing high-impact strategies to optimize our credit card portfolio. This is an opportunity to drive measurable growth across critical performance indicators—such as ENR, spend, authorization, activation, utilization, and balance build—while leveraging cutting-edge data analytics, merchant partnerships, and lifecycle management tools. Your expertise will be instrumental in enhancing customer engagement, maximizing portfolio performance, and delivering sustainable business expansion in a fast-paced, results-driven environment.

As a key contributor, you will collaborate with cross-functional teams to design and implement innovative initiatives that elevate our credit card portfolio’s market position. Your strategic insights and operational execution will be essential in achieving our financial targets while ensuring compliance with regulatory standards. This role is ideal for a seasoned professional with a proven track record in credit card portfolio optimization, digital engagement, and revenue growth.

Key Responsibilities

Your role will encompass a broad spectrum of strategic and operational responsibilities, including:

• Strategic Portfolio Optimization: Conduct in-depth analysis of portfolio trends to develop and implement data-driven strategies that enhance activation, usage, and retention, ensuring alignment with business objectives.
• Campaign Leadership: Lead end-to-end campaign management across multiple channels to drive customer engagement, spend growth, and balance build, leveraging segmentation, targeting, and personalized offers.
• Installment Plan Execution: Support the design and rollout of credit card installment plans, including structuring payment frameworks, refining sales strategies, and optimizing revenue streams.
• Lifecycle Campaign Management: Create and oversee lifecycle campaigns and engagement programs, ensuring targeted communication that delivers measurable results and strengthens customer relationships.
• Stakeholder Collaboration: Partner with internal teams and external merchants to ensure seamless execution of campaigns, offers, and portfolio initiatives.
• Performance Analytics and Reporting: Monitor and report on campaign performance, aligning objectives with KPIs while ensuring compliance with regulatory and internal approval processes.
• Financial Portfolio Management: Oversee the financial health of the credit card portfolio through forecasting, budgeting, and variance analysis, driving continuous improvement in key metrics such as:
• Plastic and spend activation rates
• Spend per card and card utilization
• ENR per card and installment sales
• Credit limit adjustments and customer engagement metrics
• Merchant and Partnership Development: Identify and cultivate new merchant partnerships to enhance cardholder value and drive portfolio growth.
• Target Achievement: Ensure timely execution of initiatives to meet portfolio growth and retention targets, delivering consistent results.

Qualifications and Skills

To excel in this role, you must possess:

• Mandatory Expertise:
• Proven experience in credit card portfolio optimization, with a focus on cross-border payments, e-commerce, and merchant partnerships.
• Deep knowledge of campaign execution, customer segmentation, and performance analytics, including proficiency in revenue drivers, loyalty programs, and P&L management.
• 8–10 years of experience in banking, payments, or consulting, with a specialization in digital engagement and product management (regional experience is a plus).
• A Bachelor’s degree in finance, economics, business administration, or a related field; an MBA or advanced degree is highly preferred.
• Fluency in English with Arabic fluency being a significant advantage.
• Exceptional analytical and problem-solving skills, with the ability to translate data insights into actionable strategies.
• Strong leadership, project management, and collaboration skills, coupled with a results-oriented mindset focused on achieving KPIs.
• Advanced proficiency in Microsoft Word, Excel, and PowerPoint, along with familiarity with project management tools.
• A proven track record of client interaction, relationship building, and stakeholder management.
• Creative and innovative thinking with a passion for developing cutting-edge solutions to drive portfolio growth.

If you are a strategic thinker with a passion for transforming credit card portfolios and delivering impactful business outcomes, we invite you to apply. Submit your CV to [email protected] and take the next step in your career with a forward-thinking organization.