Credit Card / Portfolio Analyst

HCLTech; Taguig; On-site; PHP 1,500,000 - 2,100,000; Full time

Job summary

HCLTech is seeking an experienced analytics professional to act as an execution-focused partner for the issuer’s card portfolio. You will track performance, measure initiatives, identify improvements, and support card launches and campaigns.

The role centers on delivering rigorous analysis, partnering with cards teams and stakeholders, and driving actionable insights to optimize growth and profitability.

Qualifications

• 8+ years in consumer credit/debit cards, retail banking, or payments analytics.
• Strong understanding of card performance drivers and portfolio economics.
• Experience with card PnL, performance reports, dashboards and senior stakeholder reviews.
• Execution-focused and capable of translating data into clear insights.
• Ability to manage multiple workstreams across teams.

Responsibilities

• Support delivery and tracking of Mastercard initiatives, card launches and campaigns.
• Define and monitor success metrics with issuer stakeholders.
• Measure post-launch performance and identify optimization actions.
• Lead quarterly portfolio performance reviews and present insights.
• Collaborate cross-functionally to craft compelling narratives.

Skills

Card portfolio analytics

Cross-functional collaboration

Executive stakeholder reporting

Performance measurement

Data-driven insights

Job description

This is a hands‑on, client‑embedded role supporting an issuer’s consumer credit/debit card portfolio. The resource will work with the issuer’s cards team to track portfolio performance, measure initiatives, identify improvement opportunities, plan cards growth strategies -market segmentation, CVP improvements and support implementation of card launches and campaigns.

The role is execution‑focused and analytical, acting as an extension of the issuer’s card business team.

Initiative Tracking & Impact Measurement

• Support delivery and tracking of Mastercard initiatives, particularly card launches, portfolio campaigns, and lifecycle initiatives (e.g., acquisition, usage, retention).
• Define and monitor success metrics for initiatives in collaboration with issuer stakeholders.
• Measure post‑launch performance, highlight gaps versus targets, and recommend practical optimization actions.
• Drive quarterly cards performance reviews for the issuer’s portfolio and provide insights on how they can perform at par and/or better than the market. Collaborate with teams to present insights and craft supporting narratives.

Required Skills & Experience

• More than 8 years of experience in consumer credit/debit cards, retail banking, or payments, with exposure to Product and Portfolio performance management or analytics
• Strong understanding of Consumer Credit/Debit card performance drivers and portfolio economics
• Experience with working with Credit/Debit cards PnL, producing performance reports, dashboards, and business reviews for senior stakeholders
• A practical, execution-focused professional who adapts easily to client settings and collaborates effectively with individuals at all levels of seniority.
• Strong analytical and problem‑solving skills, with the ability to translate data into clear insights
• Proven ability to work cross‑functionally and manage multiple workstreams simultaneously