Manager, Credit Card Product & Portfolio

Position: Manager, Credit Card Product & Portfolio

Location: Kuala Lumpur

Industry: Financial Services

Employment Type: 12 months contract with PERSOL

Salary: RM15,000 – RM22,000 (based on qualifications & experience)

What You'll Be Responsible For

Portfolio Growth & Product Strategy

• Drive end-to-end performance of the credit card portfolio across acquisition, activation, spend, retention, and profitability.
• Develop compelling product propositions, rewards programs, customer benefits, and portfolio enhancement initiatives.
• Conduct market research, competitive benchmarking, and customer analysis to identify growth opportunities.
• Build business cases and strategic recommendations based on customer insights and industry trends.

Campaign Management & Customer Engagement

• Lead customer acquisition, activation, spend stimulation, loyalty, and retention campaigns.
• Develop targeted engagement strategies using customer segmentation, transaction analytics, and behavioural insights.
• Manage multi-channel campaign execution across digital platforms, mobile applications, eDM, social media, and customer touchpoints.
• Implement A/B testing, pilot programs, and data-driven optimisation frameworks to maximise campaign performance.

Portfolio Performance Management

Monitor and improve key portfolio metrics including:

• New-to-Bank Acquisition
• Card Activation Rates
• Monthly Active Cards
• Spend per Card
• Revolving Balances
• Retention & Attrition Rates
• Portfolio Revenue & Profitability

Stakeholder Management

• Collaborate closely with Marketing, Analytics, Risk, Compliance, Operations, and external partners.
• Present business recommendations and performance insights to senior stakeholders.
• Ensure product enhancements and campaigns comply with regulatory and governance requirements.

What We're Looking For

✔ Bachelor's Degree in Business, Finance, Marketing, Economics, or related disciplines.

✔ 5-8 years of experience in:

• Credit Card Product Management
• Portfolio Management
• Customer Lifecycle Management
• Campaign Management
• Retail Banking

✔ Strong knowledge of:

• Credit Card Economics
• Rewards & Loyalty Programmes
• Portfolio Growth Strategies
• Customer Engagement & Retention
• Merchant Partnerships & Campaigns

✔ Proven track record in delivering portfolio growth and successful customer campaigns.

✔ Experience leveraging analytics and customer insights to drive business decisions.

✔ Familiarity with CRM and Marketing Automation platforms.

✔ Candidates from leading consulting firms (MBB, Big 4, or equivalent) are highly encouraged to apply, particularly those with exposure to Financial Services, Cards, Payments, Retail Banking, Loyalty Programmes, Customer Strategy, or Digital Banking projects.