1. Portfolio Strategy & P&L Management

- Develop, refine, and execute the strategic roadmap for the credit card portfolio.

- Own P&L for the portfolio, including revenue optimization, cost management, and profitability enhancement.

- Monitor portfolio performance metrics such as activation, spend, revolve, credit limit utilization, and delinquency.

- Drive product positioning and value propositions across customer segments.

2. Lifecycle & Engagement Management

- Design and execute customer lifecycle programs: on activation, usage, engagement, and retention.

- Enhance portfolio KPIs such as activation rate, repeat spend, Credit limit increase and upgrade/downgrade movement.

- Drive digital adoption and customer experience improvements.

3. Analytics & Insights

- Use data-driven insights to identify portfolio trends, customer behavior, risk patterns, and revenue opportunities.

- Partner with analytics teams to run segmentation, modeling, and experimental A/B testing for portfolio interventions.

- Develop dashboards and review mechanisms to track performance against defined KPIs.

4. Campaign & Revenue Management

- Design and execute spend stimulation programs, merchant offers, reward constructs, and engagement campaigns.

- Drive revenue levers including interchange income, finance charges, annual fee realization, and cross-sell.

- Optimize reward economics and unit cost structures.

5. Cross-Functional Leadership

- Collaborate with Risk, Marketing, Product, Technology, Operations, Compliance, and Sales to deliver portfolio objectives.

- Work with the risk team to ensure portfolio credit quality and mitigate risk exposures.

- Coordinate with digital and tech teams to enhance product features and customer journeys.

6. Regulatory & Compliance Governance

- Ensure all portfolio initiatives comply with regulatory frameworks (RBI guidelines, data governance, card norms, etc.).

- Maintain high standards of process control, audit readiness, and customer protection.

7. Team Leadership & Stakeholder Management

- Lead a team of portfolio managers and analysts to deliver high-impact outcomes.

- Provide mentorship, develop talent pipelines, and drive high-performance culture.

- Engage senior leadership with performance reviews, insights, and strategic recommendations.

Key Skills & Competencies

- Strong understanding of credit card business, economics, and lifecycle management.

- Deep analytical ability and data storytelling skills.

- Experience in P&L ownership and financial modeling.

- Proficiency in portfolio analytics tools, campaign management systems, and digital journeys.

- Strong stakeholder management, communication, and leadership capabilities.

- Ability to manage risk while driving aggressive growth.

- Customer-first mindset with design thinking orientation.