Senior Credit Cards Product and Portfolio Expert (m/f/d)

Senior Manager, Credit Cards Product & Portfolio Location: Saudi Arabia Reporting To: Head of Cards Role Overview We are seeking an experienced Credit Cards Product & Portfolio professional to support the Head of Cards in shaping and executing the bank's cards strategy. The successful candidate will play a critical role in driving portfolio growth, increasing customer spend, improving card engagement, and enhancing profitability across the bank's premium and affluent customer segments. This individual will bring deep expertise in credit card products, portfolio management, digital banking, and programme delivery, helping the bank strengthen its cards capability, optimise portfolio performance, and deliver innovative customer propositions. The role requires a commercially minded professional capable of balancing strategic thinking with hands-on execution across product development, portfolio analytics, customer experience, partnerships, and change initiatives. Key Responsibilities Credit Card Product Management • Support the development and execution of the bank's credit cards strategy, ensuring alignment with broader retail banking objectives. • Manage the end-to-end product lifecycle across the cards portfolio, including proposition development, product enhancements, pricing strategies, benefits, and features. • Evaluate market trends, customer behaviour, and competitor activity to identify opportunities for portfolio growth and innovation. • Develop and enhance premium card propositions to increase customer acquisition, activation, engagement, and retention. • Drive product improvements through ongoing portfolio analysis and customer feedback. • Support sales and distribution teams with product training, value propositions, and sales enablement initiatives. Portfolio Growth & Performance Management • Monitor and manage key portfolio performance indicators, including: • Card activation • Spend per active card • Customer utilisation • Portfolio profitability • Customer retention and attrition • Revenue growth • Develop targeted initiatives to increase card usage, customer engagement, and share of wallet. • Support portfolio P&L management through optimisation of fee income, interchange revenue, rewards investment, and portfolio economics. • Design and implement campaigns that drive spend growth, activation, and customer loyalty. • Leverage customer analytics and portfolio insights to identify growth opportunities and improve portfolio performance. Loyalty, Rewards & Customer Engagement • Design and enhance rewards, loyalty, and recognition programmes that increase customer engagement and card usage. • Develop customer value propositions tailored to affluent and premium customer segments. • Identify opportunities to enhance customer benefits through partnerships, offers, and lifestyle experiences. • Support personalised marketing initiatives using portfolio and customer data. Digital Banking & Customer Experience • Champion digital-first customer journeys across acquisition, onboarding, servicing, rewards, and engagement. • Work closely with digital banking teams to improve card servicing capabilities across mobile and online platforms. • Support the implementation of digital payment solutions, wallet integrations, and emerging payment technologies. • Enhance customer experience through simplified processes and improved digital functionality. • Utilise data and analytics to develop personalised customer experiences and targeted campaigns. Project & Change Management • Lead and support strategic cards initiatives, product launches, migrations, and transformation programmes. • Coordinate cross-functional stakeholders across Product, Digital, Technology, Operations, Marketing, Risk, and Compliance. • Ensure timely delivery of initiatives in line with agreed scope, budget, quality, and timelines. • Identify and mitigate delivery risks while maintaining focus on business outcomes. • Support regulatory and governance requirements while delivering innovative customer solutions. Partnerships & Ecosystem Management • Manage relationships with card schemes and key stakeholders within the payments ecosystem. • Support the development of strategic partnerships that enhance customer propositions and portfolio performance. • Work with merchants, fintech organisations, lifestyle providers, travel partners, and digital platforms to create differentiated customer benefits. • Identify opportunities for partnership-led growth and customer engagement. Knowledge & Experience • 10-15 years' experience within cards, payments, and retail banking. • Proven experience managing credit card products and portfolios within a banking or financial services environment. • Strong knowledge of: • Credit Card Product Management • Portfolio Management • Customer Lifecycle Management • Loyalty & Rewards • Digital Banking • Payments • Portfolio Analytics • Project & Programme Delivery • Demonstrated success improving portfolio KPIs including spend, activation, engagement, retention, and profitability. • Strong understanding of card portfolio economics, pricing structures, interchange revenue, rewards frameworks, and customer value propositions. • Experience working with card schemes and payments ecosystem partners. • Knowledge of the Saudi banking market, consumer banking products, and regulatory environment. • Strong analytical capabilities with the ability to convert data into actionable business recommendations. • Excellent stakeholder management and communication skills. Senior Credit Cards Product and Portfolio Expert in Riyadh, Saudi Arabia

10-15 years' experience within cards, payments, and retail banking. Proven experience managing credit card products and portfolios within a banking or financial services environment. Knowledge of the Saudi banking market, consumer banking products, and regulatory environment. Strong analytical capabilities with the ability to convert data into actionable business recommendations. Excellent stakeholder management and communication skills.

Credit Card Product Management: Support the development and execution of the bank's credit cards strategy, end-to-end product lifecycle across the cards portfolio, price strategies, benefits and features, evaluate market trends, develop premium card propositions, drive improvements through portfolio analysis and customer feedback, support sales and distribution with training and value propositions. Portfolio Growth & Performance Management: Monitor portfolio KPIs (activation, spend per active card, utilization, profitability, retention/attrition, revenue growth), develop initiatives to increase card usage and share of wallet, support P&L through fee income, interchange revenue, rewards investment, and portfolio economics, design campaigns to drive spend and loyalty, leverage analytics to identify growth. Loyalty, Rewards & Customer Engagement: Design rewards and loyalty programmes, tailor propositions to affluent segments, explore partnerships for enhanced benefits, support personalized marketing. Digital Banking & Customer Experience: Champion digital-first journeys, work with digital teams to improve servicing on mobile/online, implement digital payment solutions and wallet integrations, enhance UX, use data for personalized experiences. Project & Change Management: Lead strategic initiatives, coordinate cross-functional teams, ensure timely delivery within scope/budget/quality, mitigate risks, support regulatory and governance requirements. Partnerships & Ecosystem Management: Manage relationships with card schemes and ecosystem partners, develop strategic partnerships, collaborate with merchants, fintechs, lifestyle/travel partners to create differentiated benefits, pursue partnership-led growth.