Purpose of the role

Manage the existing credit cards portfolio by devising strategies to engage, grow & retain customers with an aim to build a sustainable and profitable cards business while also managing the CPV for the cards business.

Key Accountabilities

• Drive organic spend through effective customer lifecycle management and targeted campaigns.
• Implement portfolio actions strategically to enhance balance build-up and maximize spend activation.
• Develop retention strategies using predictive models and optimize customer revolve.
• Monitor authorization rates, over-limit strategies, and adherence to sourcing policies.
• Stay ahead of market innovations and competition through proactive strategies.
• Track high-risk segments for credit limit adjustments and revenue optimization.
• Manage annual campaign calendar aligned with marketing efforts and customer communications.
• Collaborate with CBIU for portfolio analytics and regulatory compliance.
• Resolve customer queries promptly and ensure legal compliance in all communications.
• Support yearly targets, collaborate with business teams, and ensure customer profitability.

Skills

Required skills and Qualifications

• MBA preferred
• At least 10 years in Retail Banking with 5 years in Credit cards Portfolio Management or similar role
• Deep understanding of Credit Card portfolio levers, customer behavior and enabling technology
• Project management tools, Analytics tools is a plus
• Strong leadership skills
• Ability to draw accurate conclusions based on analysis & chalk out appropriate actions
• Strong execution skills