Portfolio Lead

YES BANK


Date: 6 hours ago
City: Remote, Remote
Contract type: Full time
Remote
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.

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