Cards Portfolio Manager

JOB TITLE: Cards Portfolio Manager

TERM: 12 months (with potential extension) 

CLIENT LOCATION: Karachi, Pakistan (on-site)

DIVISION: Retail Banking / Cards & Payments 

REPORTS TO: Head of Cards & Payments, with dotted-line reporting to MA Advisors Program Lead

RELEVANT EXPERIENCE: 

• 5 Years + Cards Portfolio Management in Pakistan
• Activation and Spend growth on Cards

MANDATORY REQUIREMENTS**:

• Cards Cross-border payments, e- commerce, and merchant partnerships
• Campaign execution, customer segmentation, and performance analytics
• Islamic Banking Experience

PURPOSE OF THE PROJECT

Strategic advisory and execution support for cross-border spend growth and portfolio optimization initiatives at Meezan Bank. To drive growth in cross-border and e-commerce spend through strategic planning, campaign execution, and portfolio optimizationleveraging non-cash funds and global merchant partnerships.

Key Activities

Core Responsibilities and Accountabilities

• Design and implement an Always-On campaign targeting cross-border and e-comm spend.
• Coordinate with global merchants (e.g., Emirates, Amazon, Airbnb) to align offers and promotions.
• Support the planning and execution of XB spend campaigns and award distribution events.
• Collaborate with internal teams to scope high-impact customer campaigns.
• Monitor fund utilization across Year 1 and Year 2 allocations.
• Develop and execute data-driven marketing strategies to increase cardholder engagement.
• Optimize portfolio performance through segmentation, targeting, and offer personalization.
• Provide execution support for campaign rollout, tracking, and reporting.
• Liaise with Advisors and internal stakeholders to align on campaign objectives and KPIs.
• Ensure compliance with internal approvals and regulatory requirements.
• Ensuring card issuance / CIF growth as per targets commitments

KPIs

• % increase in cross-border and e-comm spend
• Card issuance / CIF growth as aligned to the agreed targets
• Campaign ROI and fund utilization rate
• Customer engagement and activation metrics
• Portfolio growth and retention rates
• Timely execution of planned initiatives

Knowledge and Experience

• 7+ years in banking, payments, or consulting with a focus on portfolio optimization, digital engagement, or cross-border spend strategies.
• Proven track record in campaign execution, customer segmentation, and performance analytics.
• Experience working with Islamic banking products is a plus.

Mandatory Skills**

• Prior experience in managing or advising cardholder engagement campaigns.
• Strong understanding of cross-border payments, e-commerce trends, and merchant partnerships.
• Ability to work on-site in Karachi and collaborate with regional and global stakeholders.