Portfolio Specialist - Credit Cards

Purpose

• Primary focus: Support and execute portfolio strategy to drive acquisition, activation, engagement, and incremental spend across credit and debit card portfolios.
• Core expertise:Cards portfolio optimization strategy, customer lifecycle management (CLM), and campaign management (design, targeting), with strong familiarity with payments industry rules and card-network/regulatory guidelines.

Responsibilities

• Portfolio Strategy and Performance
• Develop and refine end-to-end strategies to improve KPIs: acquisition, activation, usage, spend per active, retention, cross-/up-sell, attrition reduction, credit losses, and ROI.
• Diagnose performance drivers and recommend segment-level interventions by lifecycle stage.
• 
  Customer Lifecycle Management
• Design journeys for onboarding, early engagement, habituation, maturation, retention/win-back; define treatments and test plans (A/B and multivariate).
• Identify friction points and opportunities to accelerate first-use, repeat use, and long-term engagement across digital and partner/merchant channels.
• Campaign Strategy, Design, and Execution
• Translate portfolio objectives into campaign strategies: offer constructs, eligibility, targeting rules, suppression logic, and measurement frameworks.
• Insights, Analytics, and Forecasting
• Support analytics to size opportunities and forecast impact (propensity, uplift, CLV, attrition, spend elasticities); drive a disciplined test‑and‑learn roadmap.
• Prepare clear documentation and executive‑ready presentations communicating findings and recommendations to senior stakeholders.
• Thought Leadership and Team Contribution
• Monitor market trends (rewards, interchange, merchant offers, embedded finance, tokenization, BNPL, digital wallets) and recommend portfolio interventions.

Requirements

Experience:

• 6–8 years in cards/payments, banking, or consulting with hands‑on ownership of cards portfolio optimization, lifecycle programs, and campaign management.
• Experience with offer optimization, rewards strategy, merchant‑funded offers, and partnerships.
• Familiarity with credit risk fundamentals (underwriting policy, line management) and their interaction with spend growth strategies.

Functional expertise:

• Deep understanding of credit/debit card economics (interchange, rewards liability, acquisition cost, NPV/CLV, revolve/repay dynamics) and spend drivers.
• Practical knowledge of industry rules and guidelines (card network operating rules, compliance, data privacy, fair marketing practices) and their impact on strategy and campaigns.

Communication & Influence:

• Excellent written and verbal communication; ability to craft executive‑ready presentations and translate complex analytics into clear business decisions.
• Proven stakeholder management across product, marketing, compliance, and risk; track record of driving cross‑functional outcomes.

Project Delivery:

• Strong project management; ability to run multiple initiatives, set priorities, and meet deadlines in a fast‑paced environment with disciplined documentation.