Cards Portfolio Manager
Dubai, United Arab Emirates
Job Description
The Citi UAE cards business is profitable and growing. The Cards Portfolio Manager is a critical role and is expected to:
Responsibilities:
- Lead overall Portfolio Strategy
- Maintain and extend financial leadership across all Cards key indicators
- Manage the P&L and optimize performance of the UAE Cards Portfolio
- Apply commercial acumen to enhance operating leverage and contribute to profit
- Oversee and ensure new/existing portfolio initiatives are implemented in line with business goals
- Provide thought leadership and tactical support in identifying areas of growth & efficiency
Responsibilities:
- Refresh overall portfolio strategy to identify growth opportunities, with improved understanding of holistic customer profile (internal and external) and improved segmentation & actions
- Define and implement new portfolio actions to drive interest-bearing balance, incremental fees/revenue lines and customer engagement
- Support financial planning and portfolio performance tracking
- Optimize per account revenue through portfolio actions including, but not limited to, activation, CLI, higher initial lines & dual cards
- Develop & implement a Balance Transfer strategy to increase market share of revolving balances
- Partner with Risk to identify & implement expansion opportunities for new and existing customers within risk appetite
- Monitor Authorization rates and pursue opportunities for improvement or take corrective action in all relevant scenarios, identify room for change and initiate corrective action
- Leverage COPS for portfolio campaigns and effective campaign tracking
- Lead efforts on expense rationalization/allocations and oversee expense management process
- Work closely with the analytics team to define key metrics / dashboards and ensure that they are timely delivered for decision management in Cards Portfolio and Products
- Work with Technology on all required technology aspects of portfolio campaigns, including UAT, test preparation and execution
- Support planning and execution of adhoc projects as required
- Lead projects related to Central Bank, Regulation and Internal Audits
- Support Controls & Risk management through MCA process coordination
- Ensure compliance with Legal and Regulatory requirements, procedures and controls
- 6-10 years of relevant experience
- Knowledge of marketing, credit, acquisitions, product development, portfolio management and/or analytics
- Ability to work unsupervised and adjust priorities quickly as circumstances dictate
- Ability to work under pressure and manage deadlines or unexpected changes in expectations or requirements
- Commercial acumen & ability to convert insight into real-life revenue generating solutions
- Consistently demonstrates clear and concise written and verbal communication
- Demonstrated analytical skills
- Demonstrated problem-solving and decision-making skills
- In-depth knowledge of cards business processes (operations, risk, technology) preferred
- Bachelor’s degree/University degree. Master’s degree preferred
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Job Detail
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Job IdJD1447099
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IndustryNot mentioned
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Total Positions1
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Job Type:Full Time
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Salary:Not mentioned
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Employment StatusPermanent
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Job LocationDubai, United Arab Emirates
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EducationNot mentioned