AU Small Finance Bank - Lead - Credit Card Portfolio Management

1. Portfolio Strategy & P&L Management

• Develop, refine, and execute the strategic roadmap for the credit card portfolio.
• Own P&L for the portfolio, including revenue optimization, cost management, and profitability enhancement.
• Monitor portfolio performance metrics such as activation, spend, revolve, credit limit utilization, and delinquency.
• Drive product positioning and value propositions across customer segments.

2. Lifecycle & Engagement Management

• Design and execute customer lifecycle programs: on activation, usage, engagement, and retention.
• Enhance portfolio KPIs such as activation rate, repeat spend, Credit limit increase and upgrade/downgrade movement.
• Drive digital adoption and customer experience improvements.

3. Analytics & Insights

• Use data-driven insights to identify portfolio trends, customer behavior, risk patterns, and revenue opportunities.
• Partner with analytics teams to run segmentation, modeling, and experimental A/B testing for portfolio interventions.
• Develop dashboards and review mechanisms to track performance against defined KPIs.

4. Campaign & Revenue Management

• Design and execute spend stimulation programs, merchant offers, reward constructs, and engagement campaigns.
• Drive revenue levers including interchange income, finance charges, annual fee realization, and cross-sell.
• Optimize reward economics and unit cost structures.

5. Cross-Functional Leadership

• Collaborate with Risk, Marketing, Product, Technology, Operations, Compliance, and Sales to deliver portfolio objectives.
• Work with the risk team to ensure portfolio credit quality and mitigate risk exposures.
• Coordinate with digital and tech teams to enhance product features and customer journeys.

6. Regulatory & Compliance Governance

• Ensure all portfolio initiatives comply with regulatory frameworks (RBI guidelines, data governance, card norms, etc.).
• Maintain high standards of process control, audit readiness, and customer protection.

7. Team Leadership & Stakeholder Management

• Lead a team of portfolio managers and analysts to deliver high-impact outcomes.
• Provide mentorship, develop talent pipelines, and drive high-performance culture.
• Engage senior leadership with performance reviews, insights, and strategic recommendations.

Key Skills & Competencies

• Strong understanding of credit card business, economics, and lifecycle management.
• Deep analytical ability and data storytelling skills.
• Experience in P&L ownership and financial modeling.
• Proficiency in portfolio analytics tools, campaign management systems, and digital journeys.
• Strong stakeholder management, communication, and leadership capabilities.
• Ability to manage risk while driving aggressive growth.
• Customer-first mindset with design thinking orientation.