We are seeking for a Portfolio Owner for our financial services client in Malaysia. The primary focus of this role is to support and execute portfolio strategy to drive acquisition, activation, engagement, and incremental spend across credit and debit card portfolios.
The core expertise of this role are cards portfolio optimization strategy, customer lifecycle management (CLM), and campaign management (design, targeting), with strong familiarity with payments industry rules and card-network/regulatory guidelines.
Responsibilities
Portfolio Strategy and Performance
- Develop and refine end-to-end strategies to improve KPIs: acquisition, activation, usage, spend per active, retention, cross-/up-sell, attrition reduction, credit losses, and ROI.
- Diagnose performance drivers and recommend segment-level interventions by lifecycle stage.
Customer Lifecycle Management
- Design journeys for onboarding, early engagement, habituation, maturation, retention/win-back; define treatments and test plans (A/B and multivariate).
- Identify friction points and opportunities to accelerate first-use, repeat use, and long-term engagement across digital and partner/merchant channels.
Campaign Strategy, Design, and Execution
- Translate portfolio objectives into campaign strategies: offer constructs, eligibility, targeting rules, suppression logic, and measurement frameworks.
Insights, Analytics, and Forecasting
- Support analytics to size opportunities and forecast impact (propensity, uplift, CLV, attrition, spend elasticities); drive a disciplined test‑and‑learn roadmap.
- Prepare clear documentation and executive‑ready presentations communicating findings and recommendations to senior stakeholders.
Thought Leadership and Team Contribution
- Monitor market trends (rewards, interchange, merchant offers, embedded finance, tokenization, BNPL, digital wallets) and recommend portfolio interventions.
Requirements
Experience:
- 6–8 years in cards/payments, banking, or consulting with hands‑on ownership of cards portfolio optimization, lifecycle programs, and campaign management.
- Experience with offer optimization, rewards strategy, merchant‑funded offers, and partnerships.
- Familiarity with credit risk fundamentals (underwriting policy, line management) and their interaction with spend growth strategies.
Functional expertise:
- Deep understanding of credit/debit card economics (interchange, rewards liability, acquisition cost, NPV/CLV, revolve/repay dynamics) and spend drivers.
- Practical knowledge of industry rules and guidelines (card network operating rules, compliance, data privacy, fair marketing practices) and their impact on strategy and campaigns.
Communication & Influence:
- Excellent written and verbal communication; ability to craft executive‑ready presentations and translate complex analytics into clear business decisions.
- Proven stakeholder management across product, marketing, compliance, and risk; track record of driving cross‑functional outcomes.
Project Delivery:
- Strong project management; ability to run multiple initiatives, set priorities, and meet deadlines in a fast‑paced environment with disciplined documentation.
