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

About the Role

Halian is seeking a Senior Credit Cards Product and Portfolio Expert (m/f/d) to join their team in Riyadh. This full-time role involves supporting the Head of Cards in developing and executing the bank's credit cards strategy. The successful candidate will focus on driving portfolio growth, increasing customer spend, enhancing card engagement, and improving profitability across premium and affluent customer segments.

Role Context and Objectives

This position requires deep expertise in credit card products, portfolio management, digital banking, and program delivery. The expert will contribute to strengthening the bank's cards capability, optimizing portfolio performance, and delivering innovative customer propositions. The role balances strategic thinking with hands-on execution across various areas, including product development, portfolio analytics, customer experience, partnerships, and change initiatives.

Key Duties

• 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.

Core Responsibilities

• Monitor and manage key portfolio performance indicators.
• 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.

Candidate Profile

The ideal candidate will be a commercially minded professional with proven experience in credit cards product and portfolio management. This role requires the ability to balance strategic planning with practical execution to achieve business objectives.

Work Environment

This is a full-time position based in Riyadh, focusing on supporting the bank's cards strategy within a dynamic retail banking environment.