Purpose:

• Primary focus: Support and execute portfolio strategy to drive acquisition, activation, engagement, and incremental spend across credit and debit card portfolios.
• Core expertise: Cards portfolio optimization strategy, customer lifecycle management (CLM), and campaign management (design, targeting), with strong familiarity with payments industry rules and card-network or regulatory guidelines.

Responsibilities:

Portfolio Strategy and Performance:

• Develop and refine end-to-end strategies to improve KPIs: acquisition, activation, usage, spend per active, retention, cross and up-sell, attrition reduction, credit losses, and ROI.
• Diagnose performance drivers and recommend segment-level interventions by lifecycle stage.

Customer Lifecycle Management:

• Design journeys for onboarding, early engagement, habituation, maturation, retention and win-back, define treatments and test plans (A B and multivariate).
• Identify friction points and opportunities to accelerate first-use, repeat use, and long-term engagement across digital and partner or merchant channels.

Campaign Strategy, Design, and Execution:

• Translate portfolio objectives into campaign strategies: offer constructs, eligibility, targeting rules, suppression logic, and measurement frameworks.

Insights, Analytics, and Forecasting:

• Support analytics to size opportunities and forecast impact (propensity, uplift, CLV, attrition, spend elasticities), drive a disciplined test‑and‑learn roadmap.
• Prepare clear documentation and executive‑ready presentations communicating findings and recommendations to senior stakeholders.

Thought Leadership and Team Contribution:

• Monitor market trends (rewards, interchange, merchant offers, embedded finance, tokenization, BNPL, digital wallets) and recommend portfolio interventions.

This is a hybrid position. Expectation of days in office will be confirmed by your hiring manager.

Experience:
6–8 years in cards and payments, banking, or consulting with hands on ownership of cards portfolio optimization, lifecycle programs, and campaign management.
Experience with offer optimization, rewards strategy, merchant funded offers, and partnerships.
Familiarity with credit risk fundamentals (underwriting policy, line management) and their interaction with spend growth strategies.

Functional expertise:
Deep understanding of credit-debit card economics (interchange, rewards liability, acquisition cost, NPV-CLV, revolve-repay dynamics) and spend drivers.
Practical knowledge of industry rules and guidelines (card network operating rules, compliance, data privacy, fair marketing practices) and their impact on strategy and campaigns.

Communication & Influence:
Excellent written and verbal communication - ability to craft executive ready presentations and translate complex analytics into clear business decisions.
Proven stakeholder management across product, marketing, compliance, and risk- track record of driving cross functional outcomes.

Project Delivery:
Strong project management - ability to run multiple initiatives, set priorities, and meet deadlines in a fast paced environment with disciplined documentation.

Visa is an EEO Employer. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability or protected veteran status. Visa will also consider for employment qualified applicants with criminal histories in a manner consistent with EEOC guidelines and applicable local law.