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

📌 Portfolio Manager (Mumbai)
🏢 IndusInd Bank
📍 Mumbai