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.