About
You will own the portfolio health and value creation agenda across consumer and/or SME card products. You’ll diagnose performance (activation, digital adoption, spend, ENR, attrition), design precise lifecycle interventions, and deliver controlled change with measurable uplift. Expect hands-on partnership with Product, Analytics, Marketing, Operations, Risk, and Compliance to run always-on portfolio programs and to install robust guardrails for sustainable growth.
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Responsibilities
- Diagnose portfolio performance end-to-end (acquisition, activation, early-life usage, ENR, attrition) and convert findings into quarterly OKRs and a prioritized experiment backlog.
- Design and launch precision lifecycle programs (activation accelerators, spend stimulation, balance build, retention save-offers), with explicit hypotheses, target cohorts, success metrics, and control groups.
- Instrument performance dashboards (activation, tokenization, spend per active, ENR, churn, campaign ROI) and run test-and-learn to optimize offer design, timing, and channels.
- Calibrate growth with controls: partner with Risk/Compliance/Operations to embed documentation, approvals, and audit trails for each change; maintain clean delivery and governance.
- Evolve pricing, features, and benefits to improve perceived value and margins using competitive benchmarks and cohort analysis.
- Run weekly portfolio cadences with Product, Analytics, Ops, and Marketing to remove barriers, approve tests, and course-correct; publish action trackers and impact summaries.
- Translate complex analysis into clear choices and crisp storytelling for senior stakeholders; facilitate decision-ready forums.
- Plan and structure your work and that of junior teammates; lead or co-lead portfolio reviews and experiment readouts.
Requirements
- Experience: 5–8 years in cards/payments portfolio management (issuer side or consulting), with hands-on delivery of lifecycle programs and measurable uplift on activation, spend, ENR, and attrition.
- Analytics & experimentation: Comfortable with segmentation, A/B tests, propensity/churn models, and campaign ROI; fluent in Excel/BI with strong data storytelling.
- Product & CX: Evidence of tuning pricing/features/benefits and fixing CX to improve portfolio health; able to brief Product/Marketing and validate changes through experiments.
- Stakeholder leadership: Track record aligning Product, Risk, Ops, Marketing, and vendors to deliver on time and on budget, with weekly performance rhythms.
- A proven ability to land changes within scheme/regulatory guardrails, maintain audit-ready documentation, and stabilize post-launch operations.
Education & Skills
- Bachelor’s degree (advanced degree/MBA a plus).
- Advanced PowerPoint/Excel/Word; familiarity with BI/campaign tools (e.g., Tableau/Power BI, marketing automation).
- Strong written, verbal, and stakeholder communication; organization, multitasking, and analytical problem-solving.
- Willingness to travel across the region as needed up to 80%.
