Director, Credit Card Balance Growth

**JOB SUMMARY**
- Responsible for supporting the Global Credit Card Balance Growth strategies within the context of the wider global Credit Cards & Personal Loans (CCPL) strategy. This role will work closely with Group, Region and Country level stakeholders to design & implement balance growth and yield enhancement strategies to optimise financial and non financial results on the Existing to Product (ETP) global credit card portfolio.

**RESPONSIBILITIES**
**Strategy**
- The role holder is responsible for leading the development of global Credit Card Portfolio Optimization strategies for Existing to Product (“ETP”) customers within the context of the wider global Credit Cards & Personal Loans (“CCPL”) strategy.
- This includes agreeing these strategies with the relevant group, region and country level stakeholders, along with associated financial and non-financial targets and periodically reviewing performance against these targets in line with the Group’s performance management framework.
- Country CCPL GMs are accountable for the CC ETP portfolio profitability and performance and the role holder is concurrently held accountable for the creation and implementation, as well as, financial and non-financial results of the recommended balance growth and pricing strategies for optimizing returns on the ETP global credit card portfolio.

**Business**
- The role holder is accountable for developing, socializing and helping drive implementation of strategies for ETP Credit Card Portfolio returns, and for delivery technologies that satisfy the needs of the business, and are in compliance with all applicable regulatory requirements, including:
- Leveraging advanced analytics and collaborating with risk teams to provide thought leadership on risk and pricing frameworks to enable markets to deploy portfolio management strategies that are EVA accretive and within risk appetite.
- Leveraging analytics and risk management teams and collaborating with regional and country teams to track portfolio performance at a granular level and identify opportunities for performance enhancement.
- Drive EVA accretive interest
- bearing balance growth by setting portfolio standards and providing life cycle portfolio management tools including but not limited to cash transfers, balance transfers, EMI conversions of high value spends within and outside limits, credit limit increase etc.
- Conceptualize and work with technology and digital teams to deliver seamless sale and fulfilment of these features.
- Work closely with advanced analytics, risk and campaign delivery teams to ensure implementation, and an experimental test and learn environment to constantly enhance the impact of these strategies.
- Recommend and socialize enhancements to customer value propositions, product and pricing to ensure existing product profitability is in line with group hurdles.

**Processes**
The role holder is responsible for:
- Engagement with group policy owners and/or risk control owners for the implementation of policies and control standards set by them.
- Ensuring appropriate procedures and controls are in place to operate within the group credit and operational risk tolerance and appetite.
- Defining and driving global (versus local) regulatory and compliance standards for managing CC ETP customer strategic / campaign interventions, and working closely with markets to ensure they are met.
- Building the right conduct culture in managing ETP CC customer return optimization program initiatives. Deliver a framework for CC portfolio granular returns measurement to identify and act upon opportunities for return optimization, in compliance with all laws, regulations, rules, policies and the group conduct framework.**People & Talent**
- Lead through example and build the appropriate culture and values. Set appropriate tone and expectations of and work in collaboration with partners.
- Ensure holders of all critical functions are suitably skilled and qualified for their roles, including effective supervision in place to mitigate any risks.

**Risk Management**
- Collaboratively partner with risk teams to ensure risk management procedures and processes are effectively implemented to operate within operational and credit risk appetite.
- Partner with country CCPL teams for a robust risk management environment by identifying key risks and issues and ensuring effective mitigating measures and controls are implemented.
- Work collaboratively with countries and functions to ensure any audit findings are suitably rectified, as it relates to their areas of portfolio intervention.

**Governance**
- Develop and implement a clear structure of accountability to ensure cross functional team members can perform their roles successfully and there is clear oversight and decision making, including by relevant Committees.
- Take responsibility for assessing the effectiveness of arrangements to deliver effective governance, oversight and controls in business, and if