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