Cards Portfolio Management Specialist

PayTech Nexus Ltd; Riyadh; On-site; SAR 200,000 - 300,000; Full time

Job summary

A financial technology company based in Riyadh seeks a Cards Portfolio Management Specialist to drive growth through campaign execution and strategic planning. The ideal candidate will have 8-10 years in banking or consulting with a focus on credit card optimization and deep expertise in performance analytics. The role requires leadership skills and fluency in English, with Arabic preferred. This opportunity offers a compelling chance to work on innovative solutions and optimize cardholder value.

Qualifications

• 8-10 years in banking, payments, or consulting focused on credit card portfolio optimization.
• Knowledge of Cards P&L, Revenue, Loyalty programs, and campaign management.
• Fluent English required; Arabic fluency preferred.

Responsibilities

• Analyze portfolio trends to improve activation, usage, and retention.
• Support strategies to grow the credit card portfolio.
• Manage campaigns to grow spends and balances.

Skills

Campaign execution

Customer segmentation

Performance analytics

Creative thinking

Leadership skills

Analytical skills

Education

Bachelor's degree or equivalent qualification

Advanced degree or MBA

Tools

Excel

PowerPoint

Project Management tools

Job description

About the job Cards Portfolio Management Specialist

TERM: 12 months (with potential extension)

DIVISION: Retail Banking / Cards & Payments

REPORTS TO: Head of Cards & Payments

RELEVANT EXPERIENCE:

• Spend and balance build campaign

MANDATORY REQUIREMENTS**:

• Cards Cross-border payments, e- commerce, and merchant partnerships
• Campaign execution, customer segmentation, and performance analytics

Purpose of the Project

Strategic advisory and execution support for cards portfolio optimization initiatives spanning across key KPIs like ENR, spend, authorization etc. To drive growth in card activation, customer engagement, utilization, balance build through strategic planning, campaign execution, and portfolio optimization leveraging data analytics, merchant partnerships and other lifecycle management tools

Key Activities

Core Responsibilities and Accountabilities

• Analyze portfolio trends and develop strategies to improve activation, usage and retention
• Support to develop and implement strategies to grow the credit card portfolio in line with the business targets
• Support the initiatives related to customer engagement & balance build. This includes end to end management of campaigns across channels to grow spends and balances
• Support the credit card instalment plans strategy, including design and construct of payment plans, implementation of an effective sales strategy and optimizing revenues
• Design and implement lifecycle campaigns and customer engagement programs and be responsible for end to end campaign management and driving appropriate customer communication.
• Collaborate with internal stakeholders and external partners to ensure smooth execution of all campaign and offers
• Optimize portfolio performance through segmentation, targeting, and offer personalization.
• Provide execution support for campaign rollout, tracking, and reporting.
• Liaise with internal and 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 & identify opportunities to mitigate any headwinds

KPIs

• Increase in plastic activation rate, spend activation rate, spend/card etc.
• Manage credit limit increase and decrease activities
• Data driven portfolio campaigns along with pre campaign and post campaign results
• Customer engagement and activation metrics
• Development of new partnerships to supplement value for cardholders
• Portfolio growth and retention rates
• Timely execution of planned initiatives

Knowledge and Experience

• 8 -10 years in banking, payments, or consulting with a focus on credit card portfolio optimization, digital engagement, card product management (Regional experience preferred)
• Bachelors degree or equivalent qualification. Advanced degree or MBA preferred
• Knowledge of Cards P&L, Revenue, Loyalty programs and campaign management will be a big plus
• Fluent English required, Arabic fluency preferred
• Comfortable with significant client interaction and interest in building relationships
• Proven track record in campaign execution, customer segmentation, and performance analytics.
• Advanced Word, Excel, and PowerPoint skills required, knowledge of Project Management tools
• preferred
• Analytical skills

Mandatory Skills**

• 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 with a focus on delivering exceptional service and value