Portfolio Lead

Job Title: Credit Cards Portfolio – Organic Lead

Location: Mumbai

Reports To: Portfolio Head – Credit Cards

Department: Credit Cards

Role Purpose Own organic growth and profitability for the credit cards portfolio by

driving spends, interchange revenue, revolve book performance, and utilization through

smart cohorting, network partnerships (Visa/Mastercard/RuPay) , and

cost-efficient campaigns . Ensure robust

risk, compliance, and regulatory alignment while building scalable

tech capabilities for precision outreach.

Key Responsibilities

• Portfolio Growth & Revenue Optimization
• Increase portfolio spends and utilization across product lines and customer segments.
• Optimize high-interchange MCCs (e.g., travel, fuel, online services, utilities where relevant) to maximize net interchange yield.
• Build and manage a profitable revolve book (APR yield, delinquency guardrails, vintage performance monitoring).
• Drive limit management (enhancements/reductions) using behavioral and risk triggers.
• Tech & Cohort-Based Campaigning
• Build campaign tech capabilities to segment the right cohorts, including:
• Behavioral cohorts (recency, frequency, monetary value, dormant/declining spenders).
• Product usage cohorts
• Risk cohorts (score bands, delinquency risk, over-limit behavior, complaint flags).
• Lifecycle cohorts (new-to-card activation, 30/60/90 day nudges, renewals, reactivation).
• Set up campaign orchestration pipelines across email/SMS/push/in-app, and site/app personalization.
• Define campaign experimentation framework (A/B/n tests, holdout groups, incrementality, attribution models).
• Establish audience governance (opt-ins, exclusions, fatigue rules, contact policy, consent management).
• Network Offers & Alliances
• Manage network offers (Visa/Mastercard/RuPay) and merchant alliances to drive targeted MCC utilization.
• Negotiate and launch co-funded and free offers, optimize offer economics, and ensure compliance with scheme rules.
• Align offers with seasonality, category peaks, and portfolio gaps (e.g., travel quarter, festive spikes).
• Cost Efficiency & Campaign ROI
• Optimize campaign costs (media, martech, partner funding) and maintain an optimal cost-to-spends ratio.
• Implement ROI dashboards for campaign-level CAC, incremental spends, interchange uplift, and offer redemption quality.
• Continuously refine targeting, creatives, and offers based on incrementality.
• Compliance, Regulatory & Audit
• Manage re-KYC operations in collaboration with ops/compliance; minimize attrition and suspensions.
• Ensure accurate regulatory reporting (spends, card counts, product variants, complaints, SLAs) and internal audit readiness.
• Maintain data privacy controls, consent tracking, and contact governance.
• Analytics & Reporting
• Build portfolio dashboards for spends, utilization, MCC mix, interchange yield, revolve metrics, credit losses, and limits.
• Weekly/Monthly reporting to leadership: spends growth, MCC share, campaign performance, cost-to-spends, revolve yield.
• Run vintage analysis, cohort health checks, EMI penetration, cross-sell/upsell performance.

Required Qualifications

• Master’s in Business/Finance/Marketing/Data/Engineering.
• 6–10 years in credit cards portfolio management roles.
• Deep understanding of interchange economics, MCC strategy, revolve dynamics, limit management, and regulatory frameworks.
• Strong hands-on experience with campaign analytics, segmentation, and BI dashboards.