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YES BANK

Portfolio Lead

YES BANK · Mumbai Metropolitan Region

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  • On site
  • Full-time
  • ₹1,500,000 / year
  • Mumbai Metropolitan Region

Job highlights

  • Lead credit card portfolio organic growth and profitability.
  • Drive spends, revenue, and utilization through data.
  • Build and manage tech for precise customer outreach.
  • Ensure risk, compliance, and regulatory alignment.
  • Analyze portfolio performance and report to leadership.

About the role

Portfolio Lead Credit Cards

Location: Mumbai

Reports To: Portfolio Head – Credit Cards

Department: Credit Cards

Role Purpose

Own organic growth and profitability for the credit cards portfolio by driving spends, interchange revenue, revolve book performance, and utilization through smart cohorting, network partnerships (Visa/Mastercard/RuPay), and cost-efficient campaigns. Ensure robust risk, compliance, and regulatory alignment while building scalable tech capabilities for precision outreach.

Key Responsibilities

Portfolio Growth & Revenue Optimization
  • Increase portfolio spends and utilization across product lines and customer segments.
  • Optimize high-interchange MCCs (e.g., travel, fuel, online services, utilities where relevant) to maximize net interchange yield.
  • Build and manage a profitable revolve book (APR yield, delinquency guardrails, vintage performance monitoring).
  • Drive limit management (enhancements/reductions) using behavioral and risk triggers.
Tech & Cohort-Based Campaigning
  • Build campaign tech capabilities to segment the right cohorts, including: Behavioral cohorts (recency, frequency, monetary value, dormant/declining spenders), Product usage cohorts, Risk cohorts (score bands, delinquency risk, over-limit behavior, complaint flags), Lifecycle cohorts (new-to-card activation, 30/60/90 day nudges, renewals, reactivation).
  • Set up campaign orchestration pipelines across email/SMS/push/in-app, and site/app personalization.
  • Define campaign experimentation framework (A/B/n tests, holdout groups, incrementality, attribution models).
  • Establish audience governance (opt-ins, exclusions, fatigue rules, contact policy, consent management).
Network Offers & Alliances
  • Manage network offers (Visa/Mastercard/RuPay) and merchant alliances to drive targeted MCC utilization.
  • Negotiate and launch co-funded and free offers, optimize offer economics, and ensure compliance with scheme rules.
  • Align offers with seasonality, category peaks, and portfolio gaps (e.g., travel quarter, festive spikes).
Cost Efficiency & Campaign ROI
  • Optimize campaign costs (media, martech, partner funding) and maintain an optimal cost-to-spends ratio.
  • Implement ROI dashboards for campaign-level CAC, incremental spends, interchange uplift, and offer redemption quality.
  • Continuously refine targeting, creatives, and offers based on incrementality.
Compliance, Regulatory & Audit
  • Manage re-KYC operations in collaboration with ops/compliance; minimize attrition and suspensions.
  • Ensure accurate regulatory reporting (spends, card counts, product variants, complaints, SLAs) and internal audit readiness.
  • Maintain data privacy controls, consent tracking, and contact governance.
Analytics & Reporting
  • Build portfolio dashboards for spends, utilization, MCC mix, interchange yield, revolve metrics, credit losses, and limits.
  • Weekly/Monthly reporting to leadership: spends growth, MCC share, campaign performance, cost-to-spends, revolve yield.
  • Run vintage analysis, cohort health checks, EMI penetration, cross-sell/upsell performance.

Required Qualifications

  • Master’s in Business/Finance/Marketing/Data/Engineering.
  • 6–10 years in credit cards portfolio management roles.
  • Deep understanding of interchange economics, MCC strategy, revolve dynamics, limit management, and regulatory frameworks.
  • Strong hands-on experience with campaign analytics, segmentation, and BI dashboards.

Key skills/competency

  • Credit Card Portfolio Management
  • Organic Growth
  • Profitability Optimization
  • Interchange Revenue
  • Revolve Book Performance
  • Cohort Analysis
  • Campaign Management
  • Risk Management
  • Regulatory Compliance
  • Data Analytics

Skills & topics

  • Portfolio Lead
  • Credit Cards
  • Portfolio Management
  • Organic Growth
  • Revenue Optimization
  • Campaign Management
  • Data Analytics
  • Risk Management
  • Financial Services
  • Banking

How to get hired

  • Tailor your resume: Highlight experience in credit card portfolio management, organic growth, and campaign analytics, using keywords from the job description.
  • Showcase relevant skills: Emphasize your understanding of interchange economics, MCC strategy, revolve dynamics, and limit management.
  • Prepare for technical questions: Be ready to discuss your experience with segmentation, BI dashboards, and campaign experimentation frameworks.
  • Demonstrate strategic thinking: Articulate how you would drive portfolio growth, optimize revenue, and ensure compliance in an interview.

Technical preparation

Master interchange economics and MCC strategies.,Practice segmentation and BI dashboard creation.,Understand campaign tech and experimentation.,Familiarize with risk and regulatory frameworks.

Behavioral questions

Describe a successful portfolio growth strategy.,How do you optimize revenue and control costs?,How have you managed risk and compliance?,How do you leverage data for campaign success?

Frequently asked questions

What are the key responsibilities for a Portfolio Lead at YES BANK?
The Portfolio Lead at YES BANK is responsible for driving organic growth and profitability for the credit cards portfolio. This involves increasing portfolio spends and utilization, optimizing interchange revenue, managing the revolve book, and utilizing cohort-based campaigning for precise customer outreach. Key responsibilities also include ensuring risk and regulatory compliance, managing network offers and alliances, and conducting robust data analytics and reporting.
What qualifications are required for the Portfolio Lead position at YES BANK?
The required qualifications for the Portfolio Lead role at YES BANK include a Master's degree in Business, Finance, Marketing, Data, or Engineering. Candidates must possess 6-10 years of experience in credit cards portfolio management, a deep understanding of interchange economics, MCC strategy, revolve dynamics, limit management, and regulatory frameworks, along with strong hands-on experience in campaign analytics, segmentation, and BI dashboards.
What is the role of network partnerships and alliances for this position at YES BANK?
Network partnerships with entities like Visa, Mastercard, and RuPay are crucial for driving targeted MCC utilization and maximizing interchange revenue. The Portfolio Lead will manage network offers and merchant alliances, negotiate and launch co-funded offers, and align these with seasonal trends and portfolio gaps to enhance growth and profitability.
How does YES BANK approach campaign technology and customer segmentation for its credit card portfolio?
YES BANK employs advanced campaign tech capabilities for precise customer segmentation. This includes building behavioral, product usage, risk, and lifecycle cohorts to tailor outreach. The role involves setting up campaign orchestration pipelines across various channels (email, SMS, push, in-app) and personalizing user experiences on site and in-app to drive engagement and loyalty.
What is expected in terms of reporting and analytics for the Portfolio Lead role at YES BANK?
The Portfolio Lead is expected to build comprehensive portfolio dashboards covering spends, utilization, MCC mix, interchange yield, revolve metrics, credit losses, and limits. Regular weekly and monthly reporting to leadership is required, focusing on key performance indicators such as spends growth, MCC share, campaign performance, cost-to-spends, and revolve yield. In-depth analysis like vintage analysis and cohort health checks are also part of the role.