Associate Managing Consultant, Specialized Product Delivery (Portfolio Product Specialist)

Mastercard, Inc.; Dubai; On-site; USD 90,000 - 130,000; Full time

Job summary

A leading company in the payments industry seeks an experienced professional in card product and portfolio management to enhance customer engagement and drive strategic initiatives. The successful candidate will possess strong project management skills and a deep understanding of the payments sector, ensuring optimal performance of credit card portfolios.

Qualifications

• At least 7 years of relevant experience in card product and portfolio management.
• Fluent in local language and English.
• Ability to manage multiple stakeholders.

Responsibilities

• Manage portfolio growth and customer engagement throughout the lifecycle of card customers.
• Support strategy development to grow the credit card portfolio.
• Ensure timely delivery of regulatory changes.

Skills

Communication

Project Management

Analytical Skills

Education

Bachelor's degree or equivalent

MBA preferred

Tools

MS Word

Excel

PowerPoint

Job description

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, innovation, partnerships, and networks combine to deliver a unique set of products and services that help people, businesses, and governments realize their greatest potential.

All About the Role

Advisors Deploy is an execution-oriented client-facing competency that applies proven, accredited change skills and domain experience to partner with clients and help them drive measurable value by:

• Delivering new products and strategies to market smoothly and efficiently
• Successfully implementing complex technology and delivering the most challenging transformation programs to create the new business as usual
• Strengthening client's internal skills, knowledge, and experience in critical areas
• Transforming client processes and optimizing their management practices

This role will be responsible for supporting:

• Managing portfolio growth and customer engagement throughout the lifecycle of a card customer
• Ensuring balanced growth addressing Credit, Operations, Compliance, and Service Delivery risks
• The design and development of best-in-class portfolio programs based on local needs and co-creating globally scalable solutions with the central team
• Managing the delivery of regulatory changes so that they are delivered timely with seamless client experience and in a cost-effective manner

Business

• Support to develop and implement strategies to grow the credit card portfolio in line with the business targets
• Support initiatives related to customer engagement & balance build, including end-to-end management of campaigns across channels to grow spending and balances
• Support the credit card installment plans strategy, including the design and construction of payment plans, implementation of an effective sales strategy, and optimizing revenues
• Work with the Marketing and Analytics team on customer segmentation to promote the usage of existing customers
• Help retain profitable customers, working with relevant teams for the implementation of a robust customer retention strategy
• Review consumer behavior and market trends to identify improvement opportunities for client engagement through tactical campaigns, market research, competitor analysis, and industry trends; stay up to date with regulatory requirements
• Help manage the financial performance of the credit card portfolio; develop financial forecasts and budgets, monitor actual performance vs. targets, and identify opportunities to mitigate headwinds
• Regularly assess the performance of the credit card portfolio, analyze usage patterns, evaluate profitability, monitor customer feedback, and identify areas for improvement
• Work closely with relevant teams to ensure digital platforms are functioning as per the product construct, and optimize the customer journey for a better customer experience
• Focus on enhancing the customer experience throughout the customer lifecycle; identify pain points and implement initiatives to improve customer engagement & loyalty
• Engage with stakeholders for effective governance and robust controls around portfolio programs and processes
• Constantly evolve KPIs and performance dashboards aligned with strategic business objectives to aid senior management decision-making
• Manage feedback/issues involving credit card business
• Collaborate across Risk management, Operations, Marketing, Retail, Analytics, Technology, Legal, Compliance, and external partners supporting portfolio programs

Processes

• Support the execution of credit card business strategy, working with relevant stakeholders to ensure seamless customer journey
• Identify major customer pain points & streamline processes
• Support digitization of the portfolio lifecycle journey

Execution and Implementation

• Support delivery of large programs from initiation to benefit realization
• Execute projects across clients/businesses, identify and mitigate risks, solve issues, develop plans, and ensure timely, budgeted, and quality delivery
• Build strong client relationships and serve as a trusted resource
• Identify new business opportunities supporting Mastercard solutions

Develop sound business recommendations and deliver effective client presentations. Plan, organize, and lead project teams, and contribute to Mastercard's intellectual capital and solution development. Grow from coaching to enable ownership of project management and mentor junior team members.

All About You

• Experience managing large, complex projects/programs in a multicultural environment
• Domain knowledge of payments industry and hands-on program management experience
• Ability to manage multiple stakeholders and deliver from inception to delivery
• Strong presence and industry insights in client organizations
• Excellent interpersonal, communication, and presentation skills
• Ability to handle multiple priorities, work independently, and perform cost/benefit/risk analysis
• Leadership skills to motivate and develop teams

Education & Skills

Bachelor's degree or equivalent; MBA preferred. Fluent in local language and English; additional languages desirable. Proficient in MS Word, Excel, PowerPoint; knowledge of project management tools. At least 7 years relevant experience in card product and portfolio management. Regional experience preferred. Analytical skills and willingness to travel required.

Corporate Security Responsibility

All activities involving access to Mastercard assets, information, and networks entail inherent risks. Employees must:

• Abide by Mastercard's security policies
• Ensure confidentiality and integrity of accessed information
• Report security violations or breaches

Job ID R-240309