Job Title - Portfolio Manager – Credit Cards
Location: Mumbai
BU/Function: Credit Cards
Reports to: Portfolio Lead - Credit Cards

About the Role: As a Portfolio Manager – Credit Cards, you will be responsible for driving portfolio growth, customer engagement, retention, profitability and lifecycle management across the Credit Card business. The role involves developing customer-centric strategies, managing portfolio campaigns, identifying growth opportunities, and leveraging analytics to enhance activation, spends, retention and overall portfolio performance. You will work closely with cross-functional teams including Analytics, Risk, Product, Digital, Operations, Marketing and Partnerships to deliver strategic business objectives.

Job Responsibilities:
Drive portfolio growth and profitability through data-driven customer lifecycle strategies
Monitor and manage key portfolio metrics including activation, spends, engagement, retention, yield and revenue
Design and execute customer engagement, usage stimulation, reactivation and retention campaigns




Develop targeted portfolio strategies for customer acquisition cohorts and lifecycle segments
Analyse customer behaviour, campaign efficacy and portfolio performance to identify growth opportunities
Collaborate with Analytics teams to generate actionable insights and drive business decision-making
Work with Product, Risk and Digital teams to enhance customer journeys and improve customer experience
Manage merchant, network and partnership-led offers to drive customer engagement and spends
Conduct competitor benchmarking and identify opportunities to strengthen product propositions
Prepare portfolio reviews, business cases, management presentations and executive performance updates
Drive cross-functional execution of strategic initiatives and ensure timely delivery of business outcomes
Ensure adherence to regulatory, compliance and governance requirements across portfolio programs

Education and Work Experience Requirement

📌 Portfolio Manager (Mumbai)
🏢 IndusInd Bank
📍 Mumbai