Job Requirements

About the Role

The role will focus on credit card portfolio P&L; management, including revenue and cost analysis, profitability optimisation, budgeting, forecasting, and performance monitoring.

The candidate will be expected to analyse portfolio economics, identify opportunities for revenue enhancement and cost efficiency, and work with cross-functional teams to translate insights into actionable business initiatives.

Prior experience in the credit card business will be strongly preferred.

Key Responsibilities

Primary Responsibilities

• Portfolio P&L; Management
• Monitor and analyse the credit card portfolio P&L;, including revenue, costs, contribution, and profitability.
• Track financial performance against budgets, forecasts, and business plans.
• Identify key drivers of P&L; performance, investigate variances, and recommend corrective actions.
• Support budgeting, forecasting, and financial planning through data-driven analysis and scenario modelling.
• Prepare periodic P&L; reviews and management presentations, highlighting key insights, risks,



and opportunities.
• Identify and support initiatives to improve portfolio profitability and operating efficiency.
• Revenue Management
• Analyse key credit card revenue streams, including interchange, interest income, fees, EMI income, and other portfolio revenues.
• Monitor revenue performance across products, customer segments, and cohorts.
• Identify opportunities for revenue enhancement through customer behaviour, portfolio mix, pricing, and product interventions.
• Evaluate the revenue impact of campaigns, offers, pricing changes, and business initiatives.
• Analyse revenue trends, identify gaps against budgets, and recommend actionable improvements.
• Cost Management
• Monitor and analyse key credit card portfolio costs, including acquisition, rewards, cashback, marketing, servicing, operational expenses, and credit costs.
• Identify cost optimisation opportunities across the customer lifecycle

📌 Portfolio Manager-Credit Card (Mumbai)
🏢 IDFC FIRST Bank
📍 Mumbai