Portfolio Manager

Credit Card Portfolio Manager – Strategy & Analytics FPL is growing rapidly and is strengthening its Portfolio Management & Analytics team to fuel the next phase of its credit card business. This role is critical in shaping the credit card portfolio strategy across the entire customer lifecycle — from activation to spend growth, retention, and balance build — while ensuring profitability and risk balance. Key Responsibilities Full Lifecycle Ownership : Drive key credit card portfolio activities including: New customer activation Credit line management Risk-based pricing strategies Spend stimulation and usage uplift Balance build and revolver growth Cross-sell and retention programs KPI Ownership : Own and 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 deep-dive 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 principles. Advanced Analytics & Recommender Systems : Build recommender systems to identify hidden spend potential and customer affinity across categories and merchants. ML/AI Solutioning : Leverage machine learning and deep learning to design models for customer segmentation, risk prediction, and spend propensity to power differentiated strategies. Stakeholder Collaboration : Partner with Product, Risk, Technology, and Marketing teams to translate analytics into high-impact, customer-facing programs. Qualifications Experience 8+ years of experience in consumer lending, payments, or credit cards Proven experience in credit card portfolio analytics, modeling, or lifecycle strategy Exposure to designing and implementing experiments (A/B, DoE) Technical Skills Strong hands-on expertise in SQL and Python Exposure to ML/AI modeling and deployment App Analytics is a plus Educational Background Degree in Statistics, Mathematics, Economics, Computer Science, or a related quantitative field Preferred 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 innovation Why Join Us? This is a high-impact, visible role for someone who thrives at the intersection of data, strategy, and business growth. You’ll have the opportunity to build cutting-edge credit strategies, work with rich customer data, and directly influence the performance of a growing credit card portfolio. Preferred Industry Background Fintech Credit card startups Consumer NBFCs Digital-first banking

Created: 2025-08-05