Senior Credit Cards Product and Portfolio Expert (m/f/d)

About the Role

Halian is seeking a Senior Manager, Credit Cards Product & Portfolio to join their team in Riyadh, Saudi Arabia. This full-time role requires over 10 years of experience and involves supporting the Head of Cards in shaping and executing the bank's cards strategy. The successful candidate will drive portfolio growth, increase customer spend, improve card engagement, and enhance profitability across premium and affluent customer segments.

This position requires deep expertise in credit card products, portfolio management, digital banking, and program delivery. The role focuses on strengthening the bank's cards capability, optimizing portfolio performance, and delivering innovative customer propositions. It requires a commercially minded professional capable of balancing strategic thinking with hands-on execution across product development, portfolio analytics, customer experience, partnerships, and change initiatives.

Key Responsibilities

• Support the development and execution of the bank's credit cards strategy, ensuring alignment with broader retail banking objectives.
• Manage the end-to-end product lifecycle across the cards portfolio, including proposition development, product enhancements, pricing strategies, benefits, and features.
• Evaluate market trends, customer behavior, and competitor activity to identify opportunities for portfolio growth and innovation.
• Develop and enhance premium card propositions to increase customer acquisition, activation, engagement, and retention.
• Drive product improvements through ongoing portfolio analysis and customer feedback.
• Support sales and distribution teams with product training, value propositions, and sales enablement initiatives.

Portfolio Management and Growth

• Monitor and manage key portfolio performance indicators such as card activation, spend per active card, customer utilization, portfolio profitability, customer retention and attrition, and revenue growth.
• Develop targeted initiatives to increase card usage, customer engagement, and share of wallet.
• Support portfolio P&L management through optimization of fee income, interchange revenue, rewards investment, and portfolio economics.
• Design and implement campaigns that drive spend growth, activation, and customer loyalty.
• Leverage customer analytics and portfolio insights to identify growth opportunities and improve portfolio performance.

Customer Engagement and Digital Experience

• Design and enhance rewards, loyalty, and recognition programs that increase customer engagement and card usage.
• Develop customer value propositions tailored to affluent and premium customer segments.
• Identify opportunities to enhance customer benefits through partnerships, offers, and lifestyle experiences.
• Champion digital-first customer journeys across acquisition, onboarding, servicing, rewards, and engagement.
• Work closely with digital banking teams to improve card servicing capabilities across mobile and online platforms.
• Support the implementation of digital payment solutions, wallet integrations, and emerging payment technologies.

Project Management and Partnerships

• Lead and support strategic cards initiatives, product launches, migrations, and transformation programs.
• Coordinate cross-functional stakeholders across Product, Digital, Technology, Operations, Marketing, Risk, and Compliance.
• Ensure timely delivery of initiatives in line with agreed scope, budget, quality, and timelines.
• Manage relationships with card schemes and key stakeholders within the payments ecosystem.
• Support the development of strategic partnerships that enhance customer propositions and portfolio performance.
• Work with merchants, fintech organizations, lifestyle providers, travel partners, and digital platforms to create differentiated customer benefits.

Qualifications and Experience

• A minimum of 10 years of experience in credit card product and portfolio management.
• Demonstrated expertise in digital banking and program delivery within the financial sector.
• Proven ability to drive portfolio growth and enhance profitability.
• Strong analytical skills with the ability to leverage customer analytics and portfolio insights.
• Experience in managing cross-functional projects and stakeholder coordination.