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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 to join a leading bank in Riyadh, Saudi Arabia. This role is integral to providing strategic advisory and execution support for various card portfolio optimization initiatives. The primary objective is to enhance key performance metrics including Estimated Net Revenue (ENR), spend, and authorization performance. The specialist will contribute to accelerating growth in card activation, customer engagement, utilization, and balance build through strategic planning, campaign execution, data analytics, merchant partnerships, and lifecycle management.

This is an initial 12-month contract position with a strong potential for extension. A mandatory requirement for this role is demonstrable experience within the Saudi Arabian market.

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.
  • Drive initiatives focused on customer engagement and balance build, including end-to-end management of multi-channel campaigns to increase card spends and outstanding balances.
  • Contribute to the credit card instalment plans strategy, encompassing the design of payment plans, implementation of sales strategies, and revenue optimization.
  • Design and implement lifecycle campaigns and customer engagement programs, overseeing their management and ensuring appropriate customer communication.
  • Collaborate with internal stakeholders and external partners to ensure the seamless execution of campaigns and offers.
  • Optimize portfolio performance through advanced segmentation, targeted approaches, and personalized offers.
  • Provide execution support for campaign rollouts, including tracking performance and generating detailed reports.
  • Liaise with internal and external stakeholders to ensure alignment on campaign objectives and key performance indicators (KPIs).
  • Ensure adherence to all 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

  • A minimum of 8 to 10 years of experience in banking, payments, or consulting, with a specific focus on credit card portfolio optimization, digital engagement, and card product management.
  • Regional experience, preferably within KSA, is highly desirable.
  • A Bachelor's degree or an equivalent qualification is required; an advanced degree or an MBA is preferred.
  • Proven track record in campaign execution, customer segmentation, and performance analytics.
  • Fluent English communication skills are essential; fluency in Arabic is preferred.

Required Skills

  • Cards Portfolio Management
  • Strategic Advisory
  • Execution Support
  • Portfolio Optimization
  • Data Analytics
  • Merchant Partnerships
  • Lifecycle Management
  • Campaign Management
  • Customer Segmentation
  • Performance Analytics
  • Financial Performance Management
  • Financial Forecasting
  • Budgeting
  • Credit Card Portfolio Optimization
  • Digital Engagement
  • Card Product Management
  • Cards P&L
  • 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 Coefficient Alliances & Ventures, supporting a leading bank in the KSA market.


Requirements

  • Requires 5-10 Years experience

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