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 partnershipsCampaign execution, customer segmentation, and performance analyticsIslamic Banking ExperiencePURPOSE 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 commitmentsKPIs
increase in cross-border and e-comm spendCard issuance / CIF growth as aligned to the agreed targetsCampaign ROI and fund utilization rateCustomer engagement and activation metricsPortfolio growth and retention ratesTimely execution of planned initiativesKnowledge 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.