Senior Credit Cards Product & Portfolio Expert

About NeoStats Analytics:

NeoStats is a new-age, Data & Analytics firm offering contemporary solutions and infinite possibilities. Our mission is to create lasting competitive advantage for our clients by transforming them into world-class, data-driven organizations. Established in 2022 to provide End to End Data & Analytics Services, we are headquartered out of UAE, with bases in India & UK. Comprising of industry veterans, we enable structural transformations in Analytics powered by our expertise, true partnership, and e2e implementation approach.

About the Role

We are seeking an experienced Senior Credit Cards Product & Portfolio Expert to lead strategic initiatives focused on credit card product development, portfolio optimization, customer engagement, and profitability.

The ideal candidate will have extensive experience in credit card product management, portfolio growth, digital banking, and customer lifecycle management within the banking and financial services sector.

The role requires strong expertise in developing customer value propositions, launching card products, improving portfolio performance, and implementing strategies to drive customer acquisition, activation, spend growth, and retention.

Key Responsibilities

1. Credit Card Product Strategy & Portfolio Management

• Develop and execute strategies to enhance credit card portfolio growth, customer engagement, and profitability.
• Manage the end-to-end credit card product lifecycle, including product development, launches, pricing, features, and benefits.
• Drive portfolio performance across key metrics such as card activation, spend per card, retention, attrition, and profitability.
• Develop and enhance customer value propositions (CVPs) for premium and mass-market card segments.
• Optimize portfolio profitability by managing interchange revenue, rewards, fees, and associated costs.
• Design and implement loyalty programs, rewards strategies, and promotional campaigns to increase card usage.
• Conduct portfolio performance reviews and recommend initiatives for continuous improvement.

2. Customer Lifecycle & Marketing Analytics

• Develop customer acquisition, activation, engagement, retention, and reactivation strategies.
• Leverage customer segmentation and behavioral analytics to identify portfolio growth opportunities.
• Design and execute targeted marketing campaigns to increase card spend and customer engagement.
• Monitor campaign effectiveness, customer behavior, and portfolio KPIs to improve business performance.
• Collaborate with marketing, analytics, and product teams to develop personalized offers and customer engagement strategies.

3. Digital Banking & Customer Experience

• Drive digital transformation initiatives across credit card acquisition, servicing, rewards, and customer engagement.
• Enhance mobile and online banking journeys to improve customer experience.
• Support integration with digital wallets, fintech platforms, and lifestyle ecosystems.
• Identify opportunities to improve digital card adoption and customer satisfaction.

4. Project & Change Management

• Lead cross-functional projects involving card product launches, feature enhancements, and process improvements.
• Manage project execution, timelines, deliverables, risks, and stakeholder coordination.
• Ensure successful implementation of product and portfolio initiatives.
• Collaborate with technology, operations, risk, compliance, and business teams to deliver strategic objectives.
• Ensure compliance with applicable banking regulations, including Saudi Central Bank (SAMA) requirements.

5. Partnerships & Business Development

• Manage relationships with payment networks.
• Identify and develop strategic partnerships with merchants, fintech companies, and other ecosystem partners.
• Support negotiations and implementation of partnerships to enhance cardholder benefits.
• Develop differentiated offers and loyalty propositions to strengthen customer engagement.

6. Leadership & Stakeholder Management

• Provide strategic guidance on credit card product and portfolio management initiatives.
• Work closely with senior banking stakeholders to drive business priorities.
• Mentor and support internal teams in developing cards product and portfolio expertise.
• Establish performance-driven practices through KPI monitoring, reporting, and continuous improvement.

Required Skills & Experience

• 15–20 years of experience in retail banking, credit card product management, or cards portfolio management.
• Strong hands-on experience in credit card product launches, portfolio optimization, and customer lifecycle management.
• Proven expertise in credit, debit, and prepaid card products, including profitability drivers and portfolio performance metrics.
• Experience developing customer value propositions, loyalty programs, rewards strategies, and pricing models.
• Strong understanding of card acquisition, activation, spend growth, retention, and attrition management.
• Experience in customer segmentation, campaign execution, and performance analytics.
• Strong understanding of card portfolio P&L, interchange revenue, rewards costs, and profitability optimization.
• Knowledge of the Saudi banking market, SAMA regulations, and regional payment trends.
• Experience working with payment ecosystem partners.
• Strong project management, stakeholder management, communication, and leadership skills.
• Bachelor's degree in a relevant discipline.

Preferred Qualifications

• Previous experience in Saudi Arabia or the GCC banking market.
• At least 5 years of leadership experience in cards or retail banking.
• Experience managing premium credit card portfolios.
• Exposure to digital banking transformation, card technology, and fintech integrations.
• Experience leading large-scale cards initiatives and cross-functional transformation programs.

What we offer:

• Competitive Salary and Benefits
• Opportunity to be part of a fast-paced and growing startup. Grow your career with the company.
• Ownership – You will own your initiative and be given specific responsibilities.
• Continuous coaching & mentoring – You will have the opportunity to interact and work closely with other senior data scientists and AI experts across the globe.
• Dynamic and respectful work environment – we truly value you.