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 robust 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 transparent 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

📌 Intelligence Specialist Bengaluru (India)
🏢 Ahedge
📍 India