Senior Credit Cards Product & Portfolio Expert

Senior Credit Cards Product & Portfolio Expert

Location - Riyadh, Saudi Arabia

About the Role We are seeking a seasoned Senior Credit Cards Product & Portfolio Expert to lead the development, management, and optimization of our credit card products. This role is pivotal in driving portfolio growth, enhancing customer experience, and ensuring profitability through data-driven strategies. The ideal candidate will bring deep expertise in retail banking, cards, and payments, with a proven track record in product launches, customer lifecycle management, and strategic partnerships.

Key Responsibilities

Product Strategy & Portfolio Management

• Lead and execute credit card strategies to drive spend, retention, and profitability.
• Manage the full product lifecycle, including proposition design, pricing, features, and benefits.
• Monitor and improve portfolio metrics such as activation, spend per card, attrition, and profitability.
• Optimize P&L by balancing interchange income, rewards, fees, and cost structures.
• Design and enhance loyalty and rewards programs to boost customer engagement.

Digital & Customer Experience

• Champion digital-first initiatives across acquisition, servicing, and engagement journeys.
• Enhance mobile and online card management capabilities, enabling fintech integrations.
• Leverage data analytics to personalize customer offers and campaigns.

Project & Change Management

• Lead cross-functional projects, including product launches and system migrations.
• Ensure timely execution of initiatives with strong governance and stakeholder alignment.

Partnerships & Business Development

• Manage relationships with card schemes and key partners.
• Develop merchant and ecosystem partnerships to enhance customer value.

Leadership & Capability Building

• Act as a subject matter expert, supporting leadership on card strategy and execution.
• Mentor and develop internal teams to strengthen organizational expertise in cards.

Requirements

• 12+ years of experience in cards/retail banking with strong product and portfolio management expertise.
• In-depth product knowledge of credit cards is essential.
• Proven experience in product launches, CVP development, and customer lifecycle management.
• Strong understanding of debit, credit, and prepaid card portfolios.
• Expertise in campaign execution, segmentation, and data-driven decision-making.
• Solid knowledge of cards profitability metrics and performance analytics.
• Experience in project management, stakeholder management, and regulatory compliance.
• Familiarity with market practices in banking and fluency in Arabic (mandatory).
• Bachelor’s degree required.

What We Offer

• Competitive salary and benefits package.
• Opportunity to be part of a fast-paced, growing startup with strong career growth potential.
• Ownership of initiatives with clear responsibilities.
• Continuous coaching and mentoring from senior data scientists and AI experts worldwide.
• A dynamic, respectful, and collaborative work environment.

Interested Candidates can mail their cv at simmi@hiresquad.in or call at 8467054123