Job Description
Job Summary :
Credit Card Portfolio management covers the full spectrum of overseeing and administering the credit card programs, portfolios & Customer lifecycle, and accounts. It encompasses risk management, account management, portfolio reporting and monitoring, and many other activities. The responsibility includes to offer the customer efficient services and responses while internally controlling costs, appropriately managing risks and revenues, and achieving corporate and regulatory compliance.
The person will be responsible for developing and executing direct portfolio stimulation and growth campaigns for credit card products. The role will support the planning, development, and implementation of portfolio growth tactics, existing customer management strategies, and the overall management of pricing initiatives and utilization promotions.
Job Description :
- Create portfolio management strategies to maximize portfolio growth across all customer contact points, including statements, customer service, direct/ e-mail, online/digital, and branch; Design, develop and oversee customer management programs including :
- Credit line management programs
- New and dormant account activation
- Account upgrade strategies
- Balance build campaigns
- Authorization Strategy
- Accountability for portfolio yield management and pricing initiatives including seasonal promotions and utilization campaigns
- Accountability for the management of all customer rewards programs, including responsibility for rewards expense budget and reserve, pricing of offerings, promotion, and working with third-party partners including fulfilment agencies.
- Partner with credit risk to strengthen control strategies, enhancements in credit policy, and portfolio-wide analytics and reporting
- Align closely with Customer Service to build and maintain a strong customer experience
- Drive and achieve the agreed business plan and P&L metrics though sales support and marketing/risk/analytics interventions
- Evaluate & drive promotional plans to ensure that they are consistent
Credit Card Portfolio management covers the full spectrum of overseeing and administering the credit card programs, portfolios & Customer lifecycle, and accounts. It encompasses risk management, account management, portfolio reporting and monitoring, and many other activities. The responsibility includes to offer the customer efficient services and responses while internally controlling costs, appropriately managing risks and revenues, and achieving corporate and regulatory compliance.
The person will be responsible for developing and executing direct portfolio stimulation and growth campaigns for credit card products. The role will support the planning, development, and implementation of portfolio growth tactics, existing customer management strategies, and the overall management of pricing initiatives and utilization promotions.
Job Description :
- Create portfolio management strategies to maximize portfolio growth across all customer contact points, including statements, customer service, direct/ e-mail, online/digital, and branch; Design, develop and oversee customer management programs including :
- Credit line management programs
- New and dormant account activation
- Account upgrade strategies
- Balance build campaigns
- Authorization Strategy
- Accountability for portfolio yield management and pricing initiatives including seasonal promotions and utilization campaigns
- Accountability for the management of all customer rewards programs, including responsibility for rewards expense budget and reserve, pricing of offerings, promotion, and working with third-party partners including fulfilment agencies.
- Partner with credit risk to strengthen control strategies, enhancements in credit policy, and portfolio-wide analytics and reporting
- Align closely with Customer Service to build and maintain a strong customer experience
- Drive and achieve the agreed business plan and P&L metrics though sales support and marketing/risk/analytics interventions
- Evaluate & drive promotional plans to ensure that they are consistent
💡 Quick Summary
Seeking a career-building opportunity? The Head | Portfolio Management | Credit Cards position is now open for candidates interested in the Bank Jobs sector. This role in Mumbai offers a professional environment and growth potential.
Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in Bank Jobs is a plus.