Portfolio Manager

As a Credit Card Portfolio Manager in the Strategy & Analytics team at FPL, you will play a crucial role in shaping the credit card portfolio strategy across the entire customer lifecycle. Your responsibilities will include driving key activities such as new customer activation, credit line management, risk-based pricing strategies, spend stimulation, balance build, cross-sell, and retention programs. You will be responsible for owning and delivering key metrics like activation rate, monthly spend per active card, revolver rate, cost per acquired account, net credit loss, and EMI Book. Your role will involve performing strategic analysis and identifying opportunities through deep-dive analysis across segments and lifecycle stages. You will design and evaluate A/B tests to drive credit line changes, pricing offers, personalized nudges, and behavioral interventions. Additionally, you will build recommender systems using advanced analytics to identify hidden spend potential and customer affinity across categories and merchants. Leveraging machine learning and deep learning, you will design models for customer segmentation, risk prediction, and spend propensity to power differentiated strategies. Collaboration with Product, Risk, Technology, and Marketing teams will be essential to translate analytics into high-impact, customer-facing programs. The ideal candidate for this role should have proven experience in credit card portfolio analytics, modeling, or lifecycle strategy. Strong technical skills in SQL and Python, exposure to ML/AI modeling and deployment, and a degree in Statistics, Mathematics, Economics, Computer Science, or a related quantitative field are required. Preferred attributes include a strong commercial acumen, data-driven mindset, excellent stakeholder communication skills, attention to detail, collaborative working style, and a drive for innovation. This role offers a high-impact opportunity for individuals who excel at the intersection of data, strategy, and business growth. If you thrive in a fast-paced environment and are eager to work on cutting-edge credit strategies with rich customer data, this position is for you. Preferred industry backgrounds for this role include Fintech, credit card startups, consumer NBFCs, and digital-first banking.,