Associate Managing Consultant (Specialized Product Delivery)

OA- Mastercard; United Arab Emirates; Hybrid; AED 300,000 - 400,000; Full time

Job summary

A leading financial technology company located in the United Arab Emirates is looking for an Associate Managing Consultant in Specialized Product Delivery. The role involves owning the portfolio's health and creating value across consumer and SME card products. You'll lead lifecycle programs, optimize based on analytics, and work cross-functionally with teams to ensure robust governance. Candidates should possess 5–8 years of relevant experience and a Bachelor's degree, with proficiency in data storytelling and stakeholder communication.

Benefits

Willingness to travel for regional opportunities up to 80%

Qualifications

• 5–8 years in cards/payments portfolio management with measurable uplift.
• Proven ability to design and deliver lifecycle programs.
• Strong analytical problem-solving skills.

Responsibilities

• Own portfolio health and value creation agenda.
• Design and launch precision lifecycle programs.
• Run performance dashboards and test-and-learn optimizations.
• Partner with Risk and Compliance for governance.
• Evolve pricing and features to improve value.
• Lead stakeholder communications and weekly reviews.
• Execute changes with rigor to ensure scaling.

Skills

Cards/payments portfolio management

Analytics & experimentation

Stakeholder leadership

Data storytelling

CX improvement

Education

Bachelor's degree

Advanced degree/MBA

Tools

PowerPoint

Excel

Tableau

Power BI

Job description

Our Purpose

Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we’re helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential.

Title and Summary

Associate Managing Consultant, Specialized Product Delivery (Portfolio Management Manager — Specialist)

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.

All About Us

The Data & Services team is a key differentiator for Mastercard, providing end‑to‑end services that help our customers grow. We combine traditional management consulting with rich data assets and in‑house technology to deliver strategic insights and measurable outcomes. Specialized Product Delivery (Deploy) focuses on expert execution—deployment and value realization—from implementation to adoption, usage, and product evolution.

Job Responsibilities

• Portfolio strategy, insights, and execution: 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.
• Product & proposition tuning: Evolve pricing, features, and benefits to improve perceived value and margins (e.g., fee constructs, installment/EPP levers, rewards tuning), using competitive benchmarks and cohort analysis.
• Close the loop with Product and Marketing on campaign narratives, CX fixes, and digital journey improvements; quantify uplift vs. baseline.
• Stakeholder leadership & delivery discipline: Run weekly portfolio cadences with Product, Analytics, Ops, and Marketing to remove barriers, approve tests, and course‑correct; publish action trackers and impact summaries.
• Execute with rigor (RAID logs, gated milestones, cutover plans, post‑launch stabilization) so changes land safely and scale.

Team Collaboration & Culture

• 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.
• Contribute playbooks (segmentation, offers, dashboards) and mentor colleagues—we grow leaders, not just deliverables.

All About You

• 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.
• Controls & delivery: Proven ability to land changes within scheme/regulatory guardrails, maintain audit‑ready documentation, and stabilize post‑launch operations.
• Stakeholder leadership: Track record aligning Product, Risk, Ops, Marketing, and vendors to deliver on time and on budget, with weekly performance rhythms.
• You’ve designed and shipped 3+ lifecycle programs with quantified outcomes (e.g., +activation, +spend per active, +ENR, −attrition).
• You can show a improvement: insight → intervention → measured uplift → scaled run‑rate.
• Partners rely on you to make data useful and to land changes safely with audit‑ready evidence.

All About Your 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%.

Corporate Security Responsibility

All activities involving access to Mastercard assets, information, and networks come with inherent risk to the organization and, therefore, it is expected that every person working for, or on behalf of, Mastercard is responsible for information security and must:

• Abide by Mastercard’s security policies and practices.
• Ensure the confidentiality and integrity of the information being accessed.
• Report any suspected information security violation or breach.
• Complete all periodic mandatory security trainings in accordance with Mastercard’s guidelines.