JD for Credit Cards Portfolio Specialist .
Location - Bangalore
Seeking applicants with experience in Portfolio Management/Optimization in Cards only for a leading multinational company.
Candidates with more than 9 years experience need not apply.
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 explicit 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, di

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