Cards Portfolio Management Specialist

Cards Portfolio Management SpecialistLocation: Riyadh, Saudi Arabia | Mode of Work: Onsite | Term: 12 months (with potential extension) | Years of Experience: 8-10 yearsAbout NeoStats Analytics:NeoStats is a new-age, Data & Analytics firm offering contemporary solutions and infinite possibilities. Our mission is to create lasting competitive advantage for our clients by transforming them into world-class, data-driven organizations. Established in 2022 to provide End to End Data & Analytics Services, we are headquartered out of UAE, with bases in India & UK. Comprising of industry veterans, we enable structural transformations in Analytics powered by our expertise, true partnership, and e2e implementation approach.About the Job: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.Responsibilities:Analyze portfolio trends and develop strategies to improve activation, usage and retentionSupport to develop and implement strategies to grow the credit card portfolio in line with the business targetsSupport the initiatives related to customer engagement & balance build. This includes end to end management of campaigns across channels to grow spends and balancesSupport the credit card instalment plans strategy, including design and construct of payment plans, implementation of an effective sales strategy and optimizing revenuesDesign 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 offersOptimize 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 KPIsIncrease in plastic activation rate, spend activation rate, spend/card etc.Improve card utilization, ENR/card, installment sales.Manage credit limit increase and decrease activitiesData driven portfolio campaigns along with pre campaign and post campaign resultsCustomer engagement and activation metricsDevelopment of new partnerships to supplement value for cardholdersPortfolio growth and retention ratesTimely execution of planned initiativesRequirements:Mandatory: Cards Cross-border payments, e- commerce, and merchant partnershipsMandatory: Campaign execution, customer segmentation, and performance analytics8 -10 years in banking, payments, or consulting with a focus on credit card portfolio optimization, digital engagement, card product management (Regional experience preferred)Bachelor’s degree or equivalent qualification. Advanced degree or MBA preferredKnowledge of Cards P&L, Revenue, Loyalty programs and campaign management will be a big plusFluent English required, Arabic fluency preferredComfortable with significant client interaction and interest in building relationshipsProven track record in campaign execution, customer segmentation, and performance analytics.Advanced Word, Excel, and PowerPoint skills required, knowledge of Project Management tools preferredMandatory SkillsResults-oriented with a strong drive for achieving targets and KPIsCreative and innovative thinker with a passion for developing new solutionsTeam player with strong leadership and project management skillsCustomer-centric mindset with a focus on delivering exceptional service and valueRelevant: 8 -10 Years Cards Portfolio ManagementRelevant: Customer lifecycle managementRelevant: Spend and balance build campaignWhat we offer:Competitive Salary and BenefitsOpportunity to be part of a fast-paced and growing startup. Grow your career with the company.Ownership – You will own your initiative and be given specific responsibilities.Continuous coaching & mentoring – You will have the opportunity to interact and work closely with other senior data scientists and AI experts across the globe.Dynamic and respectful work environment – we truly value you.