Head - Portfolio Management - Credit Cards - Bank

The role is responsible for driving customer engagement, spends, organic book build & P&L management

Customer Lifecycle Management:

- Early account management: Manage customer on-boarding and early activation

Spends & Usage:

- Collaborate with BIU to create behavior base customer segments and run differentiated marketing campaigns on these segments to ensure high customer engagement

- Build category focused campaigns to drive spends in high stickiness categories like cross border, fuel & bill payments or online spends

Campaign management:

- Work with multiple stakeholders to run customer activation, engagement, retention and cross-sell campaigns

- Continuously measure and maximize campaign ROI by identifying opportunities of efficiency improvement

Retention management:

- Work with Customer Service to analyze attrition trends and reasons

- Build customer and channel incentives to ensure minimize attrition

Alliances & merchant partnerships:

- Build alliances with key brands and merchants to create differentiated customer propositions

- Work with Marketing team to create focused customer communication to leverage partner offers

Revolve, Limit management & Upgrades:

- Work with Risk Management & BIU to identify opportunities to increase portfolio revolve rates by building unique customer value propositions

- Collaborate with Policy & BIU team to identify opportunities for ensuring optimal credit limit and product fit for each customer

- Run customer communication through CVM, CS, FRM & Collection teams and through emails/SMS to ensure customer awareness of offer availability

Revenue management & Network relationship:

- Optimize fee revenue lines and interest revenue through various product level interventions

- Track business P&L lines regularly to ensure annual budgets are meet and identify opportunities to realize P&L savings

- Manage network relationship to ensure programme compliance and leverage network capabilities to drive customer engagement