Website:
indusind.bank.in
Job details:
Job Title - Portfolio Manager – Credit Cards
Location: Mumbai
BU/Function: Credit Cards
Reports to: Portfolio Lead - Credit Cards
About the Role: As a Portfolio Manager – Credit Cards, you will be responsible for driving portfolio growth, customer engagement, retention, profitability and lifecycle management across the Credit Card business. The role involves developing customer-centric strategies, managing portfolio campaigns, identifying growth opportunities, and leveraging analytics to enhance activation, spends, retention and overall portfolio performance. You will work closely with cross-functional teams including Analytics, Risk, Product, Digital, Operations, Marketing and Partnerships to deliver strategic business objectives.
Job Responsibilities:
- Drive portfolio growth and profitability through data-driven customer lifecycle strategies
- Monitor and manage key portfolio metrics including activation, spends, engagement, retention, yield and revenue
- Design and execute customer engagement, usage stimulation, reactivation and retention campaigns
- Develop targeted portfolio strategies for customer acquisition cohorts and lifecycle segments
- Analyse customer behaviour, campaign efficacy and portfolio performance to identify growth opportunities
- Collaborate with Analytics teams to generate actionable insights and drive business decision-making
- Work with Product, Risk and Digital teams to enhance customer journeys and improve customer experience
- Manage merchant, network and partnership-led offers to drive customer engagement and spends
- Conduct competitor benchmarking and identify opportunities to strengthen product propositions
- Prepare portfolio reviews, business cases, management presentations and executive performance updates
- Drive cross-functional execution of strategic initiatives and ensure timely delivery of business outcomes
- Ensure adherence to regulatory, compliance and governance requirements across portfolio programs
Education and Work Experience Requirements:
Education: MBA from a Tier1/Tier 2 College
Work Experience:
- 4-7 years of experience in Cards, Retail Banking, Analytics or Strategy Consulting
- Strong understanding of customer lifecycle management, portfolio economics and engagement strategies
- Demonstrated experience in driving business growth through analytics and customer insights
- Experience in campaign management, business performance tracking and stakeholder management
- Ability to analyse complex business problems and develop strategic recommendations
- Strong data interpretation, problem-solving and project management skills & proficiency in Excel and PowerPoint
- Excellent presentation, communication and interpersonal skills
- Ability to work collaboratively with multiple stakeholders across business, risk, technology and operations functions
- Strong commercial acumen with focus on customer experience, growth and profitability
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