Credit Card Investment Portfolio Manager

Responsabilités

Portfolio Manager – Credit Card In this role, you will be responsible for overseeing and optimizing a credit card portfolio, ensuring both financial performance and customer satisfaction. Your duties will include analyzing portfolio data, identifying trends, and implementing strategies to mitigate risks while maximizing revenue. Collaborating closely with cross-functional teams such as risk management, marketing, and customer service, you will drive product enhancements and promotional initiatives. Additionally, you will monitor key performance indicators, assess delinquency rates, and propose data-driven solutions to maintain portfolio health. Strong analytical skills, proficiency in financial modeling, and a deep understanding of credit risk are essential for success in this position. ABSA Bank is seeking a diligent and experienced professional to join our team as a [Job Title]. In this role, you will be responsible for [specific responsibility 1], ensuring adherence to [relevant regulation or standard]. Additionally, you will collaborate with cross-functional teams to [specific responsibility 2], driving efficiency and innovation in [relevant area]. The ideal candidate will possess a [required qualification 1], such as [specific degree or certification], along with [required qualification 2], such as [specific experience or skill]. Proficiency in [specific software/tool] is essential, and strong analytical and communication skills are mandatory. The successful applicant will report to [relevant department/manager] and contribute to [specific organizational goal or project]. This position offers opportunities for professional growth within a dynamic and inclusive work environment at ABSA Bank. We are seeking a dynamic professional to join our banking team, where you will play a pivotal role in delivering exceptional financial services to our clients. The ideal candidate will possess a strong academic background in finance, economics, or a related discipline, along with at least three years of hands-on experience in banking operations, client relations, or financial advisory. Proficiency in banking software, risk assessment methodologies, and regulatory compliance is essential, as is the ability to analyze financial data, identify trends, and provide strategic recommendations. You will be responsible for managing client portfolios, processing transactions, and ensuring adherence to industry standards and organizational policies. Excellent communication, problem-solving skills, and a customer-centric approach are critical for success in this position. Management oversees financial reporting, strategic planning, and operational efficiency, ensuring compliance with accounting standards and financial regulations. Accounting involves preparing financial statements, managing budgets, and conducting audits to maintain fiscal integrity. Finance focuses on investment strategies, risk assessment, and capital management to optimize organizational growth. Advertising & Marketing drives brand awareness through targeted campaigns, market research, and digital engagement strategies. Business Operations ensures seamless workflows, process improvements, and resource allocation to enhance productivity. Sales & Retail focuses on revenue generation, client relationships, and market expansion to meet consumer demands. Customer Service prioritizes client satisfaction, issue resolution, and feedback integration to foster long-term loyalty. Description Job Summary Responsible for overseeing and expanding the Credit Card portfolio by enhancing acquisition, activation, spend, profitability, customer engagement, and portfolio quality, all while ensuring adherence to local regulatory standards, ABSA policies, and card network requirements (Visa/Mastercard). This position holds full accountability for the complete performance of the credit card business, encompassing product management, portfolio analytics, risk supervision, and commercial strategy implementation. Job Description We are seeking a results-driven professional responsible for driving 35% of our business growth initiatives. The ideal candidate will leverage strategic planning and market analysis to identify expansion opportunities while cultivating key stakeholder relationships. This role requires a proven track record in revenue generation, with expertise in digital marketing, sales strategy, and data-driven decision-making. Responsibilities include developing scalable growth plans, optimizing customer acquisition channels, and monitoring KPIs to ensure measurable outcomes. Collaboration with cross-functional teams, including marketing, product, and finance, will be essential to align efforts with organizational objectives and sustain long-term profitability.

• Formulate and execute strategic initiatives aimed at growing the credit card portfolio, driving new account acquisition, boosting card utilization rates, and maximizing overall profitability.
• Maximize credit card revenue targets by strategically optimizing interchange income, interest earnings, annual fees, and other card-related revenue channels.

Establish and execute strategic plans designed to foster sustainable expansion of the credit card portfolio, ensuring alignment with the bank’s broader retail banking goals. Drive initiatives focused on acquiring new customers, activating issued cards, and boosting card usage to grow the active cardholder base. Spearhead expansion in card expenditure, revolving balances, and client interaction while maintaining outstanding service quality and customer satisfaction. We oversee portfolio profitability, return on assets, and overall performance metrics to uphold sustainable growth and maximize value creation. Develop and sustain high-impact strategic alliances with cross-functional teams and Direct Sales units to drive accelerated growth in credit card sales, activation rates, and overall card utilization. We are seeking a seasoned Product Manager to oversee 20% of our product portfolio, ensuring alignment with strategic objectives and customer needs. The ideal candidate will drive product vision, prioritize features, and collaborate with cross-functional teams to deliver innovative solutions. Responsibilities include roadmap development, stakeholder management, and performance analysis to optimize product success. Candidates must possess a minimum of five years of product management experience, a strong analytical mindset, and exceptional communication skills. Familiarity with agile methodologies and proficiency in data-driven decision-making are essential. Manage the complete lifecycle of credit card products in partnership with the Card Customer Lifecycle Management (CLM) team, overseeing all stages from initiation to conclusion.

• Lead the planning and execution of product launches, enhancements, pricing reviews, and portfolio refreshes to uphold market competitiveness. Perform ongoing competitive benchmarking and market analysis to guarantee the bank’s card products maintain a position at the forefront of the industry.
• Evaluate market dynamics and customer demands to refine current offerings and create inventive card solutions. Assist in enhancing and expanding premium, rewards, affinity, co-branded, and partnership card programs to drive their development and overall growth. Seeking a dedicated professional to ensure exceptional client experiences, which accounts for 20% of the role’s responsibilities. The ideal candidate will prioritize customer satisfaction, address inquiries promptly, and resolve issues with efficiency and professionalism. Strong communication skills and a customer-centric mindset are essential to maintaining high service standards and fostering long-term client relationships. Champion customer-focused portfolio strategies by refining the credit card customer journey at every critical stage—from acquisition and onboarding to activation, usage, and retention.
• Develop and implement strategies to enhance customer satisfaction and foster loyalty, including creating compelling value propositions, designing rewards programs, and tailoring card offerings to align with customers’ evolving needs. Monitor and enhance key customer experience indicators, such as Net Promoter Score (NPS), the speed of complaint resolution, card activation rates, and customer retention levels. Work collaboratively with customer service, digital banking, and operations teams to address customer pain points, optimize processes, and ensure consistent, high-quality cardholder experiences across all available channels. Assist in the expansion and enhancement of premium, rewards, affinity, co-branded, and partnership credit card programs. Utilize customer insights, feedback, and transaction data to uncover opportunities for service enhancement, elevate engagement levels, and foster lasting relationships with cardholders. Drive operational efficiency by identifying and implementing process improvements to enhance productivity and reduce costs, contributing 15% to overall performance objectives. The card portfolio must strictly adhere to all applicable regulatory mandates within each jurisdiction, as well as Visa and Mastercard scheme regulations, anti-money laundering and know-your-customer (AML/KYC) standards, consumer protection guidelines, and the Bank’s internal policies, procedures, and control frameworks. Maintain strong operational, financial, and risk management controls throughout all card portfolio processes to uphold operational integrity, enhance security measures, and optimize efficiency in card operations. Proactively evaluate and manage operational, regulatory, and fraud-related risks to safeguard the integrity and performance of the card portfolio. Coordinate internal and external audits for card products and services, ensuring prompt resolution and closure of audit findings and compliance gaps. Monitor regulatory and card scheme requirements for updates and promptly implement process improvements to uphold compliance and maintain operational excellence. Stakeholder management responsibilities encompass approximately 10% of the role, focusing on cultivating and maintaining strong relationships with key individuals and groups both internally and externally. This involves identifying stakeholders, understanding their interests and expectations, and effectively communicating to ensure alignment with project goals and organizational objectives. Regular engagement, proactive issue resolution, and transparent updates are essential to foster trust, mitigate risks, and secure support across all levels of influence. Develop and maintain robust partnerships with key internal stakeholders—including Retail Banking, Business Banking, Corporate Banking, Digital Banking, Operations, Risk, Compliance, and Finance—to advance portfolio objectives effectively. Work collaboratively with sales channels to enhance card acquisition, activation rates, and overall portfolio expansion. Collaborate with external stakeholders—including Visa, Mastercard, merchants, fintech firms, and service providers—to refine card offerings and maximize customer value. Furnish senior leadership with periodic portfolio evaluations and strategic guidance to facilitate business expansion and enhance decision-making processes. Assigned duties may include additional responsibilities as required by the Bank from time to time. Preferred Education A bachelor’s degree in business administration, economics, statistics, marketing, or a comparable discipline is required. Seeking candidates with a demonstrated background in the specified field or related areas. Ideal applicants will possess relevant prior experience that aligns with the role’s demands. A minimum of two years in a comparable position is strongly preferred, though exceptional candidates with transferable skills may also be considered. Familiarity with industry-standard tools, methodologies, and best practices is highly valued. Strong problem-solving abilities and a track record of delivering measurable results are essential. We require a minimum of five years of hands-on experience within the Financial Services industry, with a demonstrated track record of success. Analytical expertise and a strong aptitude for interpreting data effectively are essential for this role. With a strong background in client-facing banking roles focused on sales, marketing, or service delivery, you bring hands-on experience in engaging customers and driving revenue growth. Your expertise lies in delivering exceptional service while identifying opportunities to promote banking products, ensuring a seamless customer experience across various touchpoints. We are seeking a candidate with a strong foundation in relevant knowledge and essential skills pertinent to the role. Proficiency in specific technical or functional areas, as well as demonstrated expertise in key competencies, is required. The ideal applicant will possess a combination of educational background, hands-on experience, and problem-solving abilities to effectively execute responsibilities. Strong communication, analytical thinking, and adaptability are also critical for success in this position.

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