Cards Portfolio Management Specialist

Engagement details: • Job Title: Cards Portfolio Management Specialist • Client: Global Cards & Payments Firm • End-client: Leading Bank • Employment type: Initial 12-month contract with strong potential for extension • Location: Onsite in Riyadh, KSA • Experience level: 10+ years *This role is open to candidates across the globe Role Overview: Our client, a Global Cards & Payments firm, is engaged with a leading bank in Riyadh and is seeking to onboard a Cards Portfolio Management Specialist, who will be responsible for driving strategic advisory and execution support across cards portfolio optimization initiatives, spanning key performance metrics such as ENR, spend, and authorization performance. The role will focus on accelerating growth in card activation, customer engagement, utilization, and balance build through strategic planning, campaign execution, and portfolio optimization, while leveraging data analytics, merchant partnerships, and other lifecycle management tools. Key Responsibilities: • 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. Requirements: • 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 • Proven track record in campaign execution, customer segmentation, and performance analytics Show more Show less

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; Proven track record in campaign execution, customer segmentation, and performance analytics

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