About the Role
The Credit Card Portfolio Manager will be responsible for managing the performance, growth, and profitability of the bank’s credit card portfolio. This role focuses strategically on developing and driving instalment plan products, including lifecycle management, customer engagement, pricing strategies, and cross-functional collaboration to enhance product uptake and usage.
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Principal Accountabilities
Portfolio Strategy & Growth
- Develop and execute strategies to grow the credit card portfolio through instalment plan offerings (e.g., Cash on Card, EPP, or post-purchase conversions).
- Analyze customer behavior and transaction data to identify opportunities for instalment plan adoption, focusing on building strong propensity models.
- Monitor portfolio KPIs including activation, usage, balances, and profitability.
Instalment Plan Development
- Design and launch new instalment products tailored to customer segments and merchant partnerships.
- Collaborate with product, risk, and technology teams to ensure a seamless customer experience and operational efficiency.
- Optimize pricing, tenures, and merchant discount rates to drive uptake across channels including telesales and digital, establishing excellence in the offering across the industry.
Risk & Compliance
- Work closely with credit risk teams to ensure instalment plans are aligned with underwriting policies and regulatory guidelines.
- Monitor delinquency trends and implement proactive risk mitigation strategies.
Customer Engagement & Marketing
- Partner with marketing and analytics teams to develop targeted campaigns promoting instalment plans.
- Drive digital adoption through app-based and online instalment conversion journeys.
Stakeholder Management
- Liaise with internal stakeholders including finance, operations, legal, and compliance to ensure product success.
- Manage relationships with external partners such as merchants and networks.
Requirements
Education and Experience
- Bachelor’s degree in Finance, Business, Economics, or a related field; MBA preferred.
- 5+ years of experience in credit card portfolio management or consumer lending.
- Strong understanding of instalment lending, credit risk, and customer lifecycle management.
- Analytical mindset with proficiency in data tools (Excel, SQL, SAS, etc.).
- Excellent communication and project management skills.
