Our client, a leading global payments firm, is looking for an experienced Senior Cards Portfolio Manager to lead a strategic initiative focused on enhancing their card portfolio's performance. Based in Dubai, UAE, this on-site role is integral to building and managing a lifecycle management program aimed at increasing card activity, spend per active card, and reducing inactivation and attrition rates. The program leverages advanced analytics and targeted marketing strategies to drive business results. The initial contract term is for 12 months, with the potential for extension.

This role requires a seasoned professional with a deep understanding of the cards market, robust analytical skills, and the ability to drive growth through effective portfolio management. Success in this role will be measured by the ability to optimize card portfolio performance and identify new opportunities for growth and product innovation.

What You Will Be Doing

• Portfolio Strategy Development:
• Develop and implement strategies to optimize card portfolio performance, including pricing, promotions, and product enhancements.
• Team Leadership:
• Lead and mentor the cards portfolio management team, fostering a culture of continuous improvement and professional growth.
• Market and Customer Analysis:
• Analyse market trends, customer behaviour, and competitive landscape to identify growth opportunities and potential risks.
• Cross-functional Collaboration:
• Collaborate with teams across marketing, IT, and customer service to enhance product offerings and improve customer experience.
• Performance Monitoring:
• Monitor and report on portfolio performance, providing insights and strategic recommendations to senior management.
• Regulatory Compliance:
• Ensure adherence to industry regulations and internal policies, upholding high standards of governance and risk management.

Your Background

• Experience:
• 12+ years in cards portfolio management or a related field, with a proven record of driving growth and achieving performance targets.
• Demonstrated leadership skills, with experience managing and motivating a diverse team.
• Strong analytical and problem-solving skills, with a data-driven approach to strategy and decision-making.
• In-depth understanding of the cards market, industry trends, and UAE regulatory requirements.

• Technical Skills:
• Proficiency in data analysis and portfolio management tools, including Excel and Tableau.
• Strong knowledge of financial metrics and performance indicators, such as Net Interest Margin (NIM), Fee Income, Charge-off Rates, Delinquency Rates, Average Spend per Card, Activation Rates, and Customer Retention Rates.
• Familiarity with card management systems (CMS) and payment processing platforms.
• Knowledge of fraud detection, prevention tools, and risk management systems.

• Non-Technical Skills:
• Excellent communication and interpersonal skills to build strong relationships with internal and external stakeholders.
• Ability to manage multiple projects and priorities, working collaboratively in a cross-functional environment.
• Strong organizational and time management skills, with a focus on achieving results in a fast-paced setting.

Other Important Information

• Location: Dubai, UAE (on-site role with some flexibility for travel if needed).
• Language Requirement: Proficiency in English is essential.
• Contract Term: 12 months, extendable based on project needs and performance.