Cards Portfolio Manager

2 days ago

Dubai, United Arab Emirates Citi Full time

The Citi UAE cards business is profitable and growing. The Cards Portfolio Manager is a critical role and is expected to:

- Lead overall Portfolio Strategy
- Maintain and extend financial leadership across all Cards key indicators
- Manage the P&L and optimize performance of the UAE Cards Portfolio
- Oversee and ensure new/existing portfolio initiatives are implemented in line with business goals
- Provide thought leadership and tactical support in identifying areas of growth & efficiency

**Responsibilities**:

- Refresh overall portfolio strategy to identify growth opportunities, with improved understanding of holistic customer profile (internal and external) and improved segmentation & actions
- Define and implement new portfolio actions to drive interest-bearing balance, incremental fees/revenue lines and customer engagement
- Support financial planning and portfolio performance tracking
- Optimize per account revenue through portfolio actions including, but not limited to, activation, CLI, higher initial lines & dual cards
- Develop & implement a Balance Transfer strategy to increase market share of revolving balances
- Partner with Risk to identify & implement expansion opportunities for new and existing customers within risk appetite
- Monitor Authorization rates and pursue opportunities for improvement or take corrective action in all relevant scenarios, identify room for change and initiate corrective action
- Leverage COPS for portfolio campaigns and effective campaign tracking
- Lead efforts on expense rationalization/allocations and oversee expense management process
- Work closely with the analytics team to define key metrics / dashboards and ensure that they are timely delivered for decision management in Cards Portfolio and Products
- Work with Technology on all required technology aspects of portfolio campaigns, including UAT, test preparation and execution
- Support planning and execution of adhoc projects as required
- Lead projects related to Central Bank, Regulation and Internal Audits
- Support Controls & Risk management through MCA process coordination
- Ensure compliance with Legal and Regulatory requirements, procedures and controls

**Qualifications**:

- 6-10 years of relevant experience
- Knowledge of marketing, credit, acquisitions, product development, portfolio management and/or analytics
- Ability to work unsupervised and adjust priorities quickly as circumstances dictate
- Ability to work under pressure and manage deadlines or unexpected changes in expectations or requirements
- Commercial acumen & ability to convert insight into real-life revenue generating solutions
- Consistently demonstrates clear and concise written and verbal communication
- Demonstrated analytical skills
- Demonstrated problem-solving and decision-making skills
- In-depth knowledge of cards business processes (operations, risk, technology) preferred

**Education**:

- Bachelor’s degree/University degree. Master’s degree preferred
- **Job Family Group**:
Product Management and Development
- **Job Family**:
Product Management
- **Time Type**:
Full time
- Citi is an equal opportunity and affirmative action employer.

Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

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View the **Pay Transparency Posting

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