Cards Portfolio Management Specialist

PayTech Group; Riyadh; On-site; SAR 224,971 - 337,457; Full time

Job summary

PayTech Group seeks a Cards Portfolio Management Specialist to drive growth in card activation and customer engagement in Riyadh, KSA. The role emphasizes strategic planning and campaign execution.

The ideal candidate will have 8–10 years in banking or consulting, focusing on credit card optimization and will be responsible for managing end-to-end campaigns while collaborating with stakeholders to ensure successful execution.

Qualifications

• 8–10 years of experience in banking, payments or consulting focused on credit card portfolio optimization.
• Fluent English required; Arabic fluency preferred.
• Strong client interaction skills and interest in building relationships.

Responsibilities

• Analyze portfolio trends and develop strategies to improve activation, usage and retention.
• Support development of strategies to grow credit card portfolio.
• Manage end-to-end lifecycle campaigns and customer engagement programs.

Skills

Credit card portfolio optimization

Digital engagement

Client interaction

Analytical skills

Project management

Fluent English

Knowledge of Cards P&L

Education

Bachelor's degree or equivalent

Advanced degree or MBA preferred

Tools

Word

Excel

PowerPoint

Project management tools

Job description

Job Title: Cards Portfolio Management Specialist

Term: 12 months

Location: Riyadh, KSA

Division: Retail Banking – Cards & Payments

Job Summary

Strategic advisory and execution support for cards portfolio optimization initiatives spanning key KPIs such as ENR, spend, authorization, etc. Drive growth in card activation, customer engagement, utilization and balance build through strategic planning, campaign execution, and portfolio optimization 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 development and implementation of strategies to grow the credit card portfolio in line with business targets.
• Manage end‑to‑end lifecycle campaigns and customer engagement programs to grow spends and balances across channels.
• Design and construct payment plans for credit card instalment plans, implement effective sales strategies and optimize revenues.
• Collaborate with internal stakeholders and external partners for smooth execution of all campaigns and offers.
• Optimize portfolio performance through segmentation, targeting and offer personalization.
• Provide execution support for campaign rollout, tracking and reporting.
• Liaise with internal and external 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 and identify opportunities to mitigate headwinds.

Key Performance Indicators

• Increase in plastic activation rate, spend activation rate and overall spend.
• Improved card utilization and ENR card installment sales.
• Manage credit limit increase and decrease activities.
• Data‑driven portfolio campaigns with pre‑campaign and post‑campaign results.
• Customer engagement and activation metrics.
• New partnerships to supplement value for cardholders.
• Portfolio growth and retention rates.
• Timely execution of planned initiatives.

Qualifications

• 8–10 years of experience in banking, payments or consulting focused on credit card portfolio optimization, digital engagement, and card product management.
• Bachelor’s degree or equivalent; advanced degree or MBA preferred.
• Knowledge of Cards P&L, revenue, loyalty programs and campaign management.
• Fluent English required; Arabic fluency preferred.
• Strong client interaction skills and interest in building relationships.

Hard Skills

• Advanced proficiency in Word, Excel and PowerPoint.
• Knowledge of project management tools.
• Analytical skills.

Soft Skills & Competencies

• Results‑oriented with a strong drive for achieving targets and KPIs.
• Creative and innovative thinker with a passion for developing new solutions.
• Team player with strong leadership and project‑management skills.
• Customer‑centric mindset focused on delivering exceptional service and value.