# Cards Portfolio Optimization Lead

**Company**: Visa
**Location**: Bengaluru, IN
**Work arrangement**: hybrid
**Experience**: senior
**Job type**: full-time
**Category**: Consulting
**Industry**: Finance

**Apply**: https://visa.wd5.myworkdayjobs.com/en-US/Visa/job/IN---Bengaluru-India/Manager---Card-Portfolio-Optimization-Consulting_REF088858W?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply
**Canonical**: https://yubhub.co/jobs/job_3d6cea6b-67d

## Description

Visa Consulting and Analytics (VCA) is seeking a Cards Portfolio Optimization Lead to drive tangible, impactful results for clients. As a core delivery leader within VCA-X, you will own and drive portfolio strategy, lifting acquisition, activation, engagement, and incremental spend across credit and debit card portfolios.

**Responsibilities:**

- Develop and refine end-to-end strategies to improve KPIs: acquisition, activation, usage, spend per active, retention, cross-/up-sell, attrition reduction, credit losses, and ROI.

- Diagnose performance drivers and recommend segment-level interventions by lifecycle stage.

- Design journeys for onboarding, early engagement, habituation, maturation, retention/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/merchant channels.

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

- Drive analytics that size opportunities and forecast impact (propensity, uplift, CLV, attrition, spend elasticities); own a disciplined test-and-learn roadmap.

- Craft clear documentation and executive-ready presentations that turn findings into decisions for senior stakeholders.

- Track market trends (rewards, interchange, merchant offers, embedded finance, tokenization, BNPL, digital wallets) and turn them into portfolio interventions.

- Build the playbooks, benchmarks, and frameworks that become the reference standard for portfolio optimization across every market.

**Requirements:**

- Bachelor’s or Master’s degree in Data Science, Statistics, Mathematics, Economics, Computer Science, Engineering, Operations Research, or a related quantitative discipline.

- 6-8 years in cards/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.

**Nice to Have:**

- Experience in payments, banking, financial services, consulting, or another data-intensive industry.

- Experience with GenAI, agentic workflows, prompt-based systems, or AI-assisted analytics.

- Excellent written and verbal communication; ability to craft executive-ready presentations and translate complex analytics into clear business decisions.

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

- Define the methodology, don't just execute one , thrive in a delivery model where the standard for this capability area is still being built, and where your judgment sets it.

## Skills

### Required
- Data Science
- Statistics
- Mathematics
- Economics
- Computer Science
- Engineering
- Operations Research
- cards portfolio optimization
- lifecycle programs
- campaign management

### Nice to have
- GenAI
- agentic workflows
- prompt-based systems
- AI-assisted analytics
- project management

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Source: [Apply at visa.wd5.myworkdayjobs.com](https://visa.wd5.myworkdayjobs.com/en-US/Visa/job/IN---Bengaluru-India/Manager---Card-Portfolio-Optimization-Consulting_REF088858W?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply)