Credit Card Portfolio Strategist

2 weeks ago

Pune, Maharashtra, India beBeePortfolio Full time ₹ 1,00,00,000 - ₹ 1,50,00,000
Credit Card Portfolio Strategist

Drive growth and profitability in our rapidly expanding credit card business by developing and executing a comprehensive portfolio strategy.

  • Spearhead key activities including:
    • Customer acquisition and activation
    • Credit line optimization
    • Risk-based pricing strategies
    • Spend stimulation and usage uplift
    • Balance build and revolver growth
    • Cross-sell and retention

Ownership: 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 in-depth 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.

Advanced Analytics & Recommender Systems

Benchmark recommender systems to identify hidden spend potential and customer affinity across categories and merchants.

Machine Learning/AI Solutioning

Leverage machine learning and deep learning to design models for customer segmentation, risk prediction, and spend propensity to power differentiated experiences.

Collaborative Stakeholder Engagement

Partner with cross-functional teams to translate analytics into high-impact, customer-facing solutions.

8+ years of experience in consumer lending, payments, or credit cards.

Proven expertise in credit card portfolio analytics, modeling, or lifecycle strategy.

Exposure to designing and implementing experiments (A/B, DoE).

Key Skills: Strong hands-on expertise in SQL and Python. Exposure to ML/AI modeling and deployment. App Analytics.

Background: Degree in Statistics, Mathematics, Economics, Computer Science, or a related quantitative field.

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 results.

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