Credit Card Usage Specialist

CORE PROFILE:

The Credit Card Usage Specialist is responsible for driving the CIF activation/engagement and spend/outstanding balance growth of the business. This role oversees the acquired portfolio lifecycle— activation, spend generation, building of outstanding balance, cardholder engagement/retention and anti-attrition through datadriven strategies, partnerships, campaigns, and customer experience enhancements to ensure the portfolio meets revenue/P&L targets through management of multiple portfolio performance metrics.

What you need to succeed:

• Review daily transaction and usage reports to spot trends or anomalies.
• Track activation, spend and balances against budget and work on action plans to exceed budget and OKRs.
• Perform Business analytics to come up with spend generation opportunities and build a business case for budget approval
• Draft mechanics and work to request for campaign creatives and messaging for usage initiatives
• Respond to internal queries from marketing, social media community team, customer service
• Monitor customer feedback and usage behavior at launch of and post campaign
• Update campaign trackers and performance and propose adjustments
• Attend cross-functional meetings to align on metrics, feedbacks, mechanics, budgets and new opportunities.

What we are looking for:

• Strong analytical, quantitative skills; ability to interpret complex data with data-driven decision-making
• Solid understanding of credit risk, product management, and P&L levers.
• Ability to manage partners and lead cross-functional teams.
• Customer-centric mindset and strong campaign execution capabilities.
• Excellent communication, executive presentation skills and stakeholder/cross functional management skills
• Proficiency in Excel, SQL, or data visualization tools.
• Bachelor's degree in Business, Marketing, Finance, Economics, or equivalent.
• 3+ years of experience in any business operations or credit cards, retail banking, payments, consumer finance, B2B operations.
• Strong background in operations management, business, analytics, portfolio management, campaign strategy, product usage growth, or loyalty programs.