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Contract TypeContract TypeFull-time
Workplace typeWorkplace typeOn-site
LocationLocationRiyadh

About the Role

Coefficient Alliances & Ventures is seeking a Cards Portfolio Management Specialist for a full-time, onsite position in Riyadh, Saudi Arabia. This role supports a leading bank, in collaboration with a Global Cards & Payments Firm, and is initially a 12-month contract with a strong potential for extension. The specialist will focus on strategic advisory and execution support for card portfolio optimization, aiming to enhance key performance metrics such as ENR, spend, and authorization performance. The objective is to accelerate growth in card activation, customer engagement, utilization, and balance build through strategic planning, campaign execution, data analytics, merchant partnerships, and lifecycle management.

A mandatory requirement for this position is extensive experience within the KSA market, demonstrating a deep understanding of the local banking and payments landscape to effectively contribute to strategic objectives.

Key Responsibilities

  • Analyze credit card portfolio trends to develop and implement strategies for improving activation, usage, and customer retention.
  • Support the development and execution of strategies to grow the credit card portfolio in alignment with business targets.
  • Manage end-to-end initiatives for customer engagement and balance build, including campaign execution across various channels to increase spend and balances.
  • Contribute to the credit card instalment plans strategy, covering design, sales strategies, and revenue optimization.
  • Design and implement lifecycle campaigns and customer engagement programs, overseeing their management and customer communication.
  • Collaborate with internal stakeholders and external partners to ensure seamless execution of campaigns and offers.
  • Optimize portfolio performance through advanced segmentation, targeted strategies, and personalized offers.
  • Provide execution support for campaign rollout, including performance tracking and reporting.
  • Liaise with stakeholders to ensure alignment on campaign objectives and key performance indicators (KPIs).
  • Ensure compliance with internal approval processes and regulatory requirements.
  • Assist in managing the overall financial performance of the credit card portfolio.
  • Develop financial forecasts and budgets, monitor performance against targets, and identify opportunities to mitigate potential headwinds.

Qualifications and Requirements

  • 8 to 10 years of experience in banking, payments, or consulting, with a focus on credit card portfolio optimization, digital engagement, and card product management.
  • Proven track record in campaign execution, customer segmentation, and performance analytics.
  • Bachelor's degree or equivalent qualification; an advanced degree or MBA is preferred.
  • Fluency in English is required; Arabic fluency is preferred.
  • A strong understanding of the KSA market is a mandatory requirement.

Required Skills

  • Cards Portfolio Management
  • Strategic Advisory and Execution Support
  • Portfolio Optimization
  • Data Analytics
  • Merchant Partnerships
  • Lifecycle Management
  • Campaign Management
  • Customer Segmentation
  • Performance Analytics
  • Financial Performance Management
  • Financial Forecasting and Budgeting
  • Credit Card P&L Management
  • Revenue Management
  • Loyalty Programs

Work Environment and Contract Details

This is a full-time, onsite position located in Riyadh, Saudi Arabia. The role is offered as an initial 12-month contract with a strong potential for extension. The position is with a leading bank, supported by a Global Cards & Payments Firm.


Requirements

  • Requires 5-10 Years experience

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