Portfolio Manager

2 weeks ago

Pune, Maharashtra, India FPL Technologies Full time

Credit Card Portfolio Manager – Strategy & Analytics

FPL is growing rapidly and is strengthening its Portfolio Management & Analytics team to fuel the next phase of its credit card business. This role is critical in shaping the credit card portfolio strategy across the entire customer lifecycle — from activation to spend growth, retention, and balance build — while ensuring profitability and risk balance.

Key Responsibilities

  • Full Lifecycle Ownership: Drive key credit card portfolio activities including:
  • New customer activation
  • Credit line management
  • Risk-based pricing strategies
  • Spend stimulation and usage uplift
  • Balance build and revolver growth
  • Cross-sell and retention programs
  • KPI Ownership: Own and deliver on key metrics including:
  • Activation rate
  • Monthly spend per active card
  • Revolver rate
  • Cost per acquired account
  • Net credit loss
  • EMI Book
  • Strategic Analysis & Opportunity Identification: Perform deep-dive analysis to uncover trends, risks, and opportunities across segments and lifecycle stages.
  • Experimentation & Personalization: Design and evaluate A/B tests to drive credit line changes, pricing offers, personalized nudges, and behavioral interventions using behavioral economics and neuroscience principles.
  • Advanced Analytics & Recommender Systems: Build recommender systems to identify hidden spend potential and customer affinity across categories and merchants.
  • ML/AI Solutioning: Leverage machine learning and deep learning to design models for customer segmentation, risk prediction, and spend propensity to power differentiated strategies.
  • Stakeholder Collaboration: Partner with Product, Risk, Technology, and Marketing teams to translate analytics into high-impact, customer-facing programs.

Qualifications

Experience

  • 8+ years of experience in consumer lending, payments, or credit cards
  • Proven experience in credit card portfolio analytics, modeling, or lifecycle strategy
  • Exposure to designing and implementing experiments (A/B, DoE)

Technical Skills

  • Strong hands-on expertise in SQL and Python
  • Exposure to ML/AI modeling and deployment
  • App Analytics is a plus

Educational Background

  • Degree in Statistics, Mathematics, Economics, Computer Science, or a related quantitative field

Preferred Attributes

  • Strong commercial acumen with ability to balance growth and profitability trade-offs
  • Data-driven mindset with proven ability to translate insights into business action
  • Excellent stakeholder communication and storytelling skills
  • Detail-oriented with strong ownership of output quality
  • Team-first mindset with collaborative and flexible working style
  • Intellectual curiosity and drive for innovation

Why Join Us?

This is a high-impact, visible role for someone who thrives at the intersection of data, strategy, and business growth. You'll have the opportunity to build cutting-edge credit strategies, work with rich customer data, and directly influence the performance of a growing credit card portfolio.

Preferred Industry Background

  • Fintech
  • Credit card startups
  • Consumer NBFCs
  • Digital-first banking

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