Retail Portfolio Manager Cards

PayTech Group

Core Responsibilities and Accountabilities:

• Develop and maintain strong, long-term relationships with senior stakeholders.
• Conduct regular business reviews and strategy sessions with clients to identify opportunities for growth and improvement.
• Analyse portfolio trends and develop strategies to improve activation, usage, and retention.
• Optimise portfolio performance through segmentation, targeting, and offer personalisation. Provide execution support for campaign rollout, tracking, and reporting.
• Support the initiatives related to customer engagement & balance build. This includes end to end management of campaigns across channels to grow spends and balances.
• Collaborate with MIS teams to improve existing reports and develop new set of reports; prepare and present regular reports and presentations to senior management and clients.
• Support in launching new products and improve existing by tracking products like profitability and acquisition through different channels.

Knowledge and Experience:

• 8 10 years of experience in retail banking, consumer finance, payments, or consulting, with a strong focus on retail portfolio management, cards and lending products, customer engagement, and portfolio optimisation.
• Proven track record of managing, optimising, and growing large retail customer portfolios, delivering sustainable revenue growth and improved customer outcomes.
• Strong understanding of retail banking products, payment ecosystems, customer lifecycle management, and core banking operations.
• Excellent communication, stakeholder management, and negotiation skills, with the ability to influence cross-functional teams and senior stakeholders.
• Strong analytical capability, with experience interpreting complex data sets to derive insights, develop strategic initiatives, and drive informed decision-making.

Mandatory Skills:

• Deep understanding of the retail customer lifecycle, including acquisition, onboarding, activation, engagement, retention, attrition management, and exit, with the ability to design strategies across each stage.
• Portfolio management expertise across retail banking products (cards, deposits, lending, and digital offerings), including assessing portfolio health, forecasting performance, identifying risks or underperformance, and driving strategic course correction.
• Strong commercial and financial acumen, with a clear understanding of how retail portfolios contribute to overall P&L, margins, growth objectives, and risk trade-offs, and the ability to balance profitability with customer value.

Preferred Skills:

• An understanding of payment systems, digital platforms, APIs, system workflows, security basics, and industry technologies.
• An understanding of regional regulations across financial services or payment networks.
• Excellent communication skills (written, verbal, and presentation) in English; proficiency in Arabic is an advantage.