AVP - Head of Cards Life Cycle Management

To execute structured programs and campaigns across the various lifecycle stages of Cards (e.g. limit increases, cards upgrades, winback of customers having monitored cards, card spend consolidations, Supplementary Cards, Payment deferment & Payment flag (min. due) optimization, signing-up for SI and digital payments. Driving these initiatives to support the Cards Portfolio objectives (of growing Spends, ENR Balances & Revenues).

Key Responsibilities:

Business Strategy:

• In this people leadership role, job holder is responsible to manage a high-performance team (of Managers, Team Leaders and the tele-calling set-up) to scale-up the business.
• Actively own and lead the implementation of approved programs & initiatives, and ultimately play a key role in achievement of Cards Portfolio overall objectives of Spends, Balances (ENR) and Revenue growth
• Oversee the tele-calling team and run various initiatives (continuous engagement with existing cardholders) to achieve targets for card upgrades, limit increases, higher number of customer card win-back (monitored to normal cards), increase penetration of supplementary cards and optimizing the payment flag & executing payment deferment programs etc

P&L Management:

• Execute programs to achieve higher engagement & response-rates from a greater number of existing cardholders (by upgrades, higher limits, penetration of supplementary cards etc)
• Constantly seek to improve and enhance our campaign delivery capabilities, working to increase ROI and reduce costs.
• Create & review business cases (ROI based on revenue and cost metrics), & conduct post-program analysis to help fine-tune the programs continuously

Compliance with Sharia/L&C Requirements:

• Ensure all programs and customer communications of the function are duly approved by Sharia, Legal and Compliance

 Matrix partnership with other functions

• Work closely with other relevant functions (SP&BA, Marketing, IT Dept, Process Management etc) to ensure all initiatives are executed in timely manner as per plan (calendar)

• Engineering Degree + MBA or Chartered Accountant.
• Atleast 15 years’ work experience in Cards & Payments domain, out of which atleast 5 years in Cards Portfolio Management.
• Solid experience in people management, having led teams while scaling up new programs and initiatives.
• Candidates with experience in working in-depth with data analysts, IT systems and analysts and digital enablement areas is preferred.