Company: Mastercard
Location: Dubai, Dubai, United Arab Emirates
Career Level: Associate
Industries: Banking, Insurance, Financial Services
Description
Our Purpose
Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we're helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential.
Title and Summary
Associate Managing Consultant, Specialized Product Delivery (Portfolio Management) Our PurposeWe connect and power an inclusive, digital economy that benefits everyone, everywhere—making transactions safe, simple, smart and accessible. Using secure data and networks, partnerships and passion, our innovations and solutions help customers realize their greatest potential. Our decency quotient (DQ) drives our culture and everything we do. We cultivate a culture of inclusion that respects individual strengths, views, and experiences because our differences make us a better team—one that makes better decisions, drives innovation and delivers better business results.
Title and Summary
Associate Managing Consultant, Specialized Product Delivery (Portfolio Management Manager — Specialist)
Own the portfolio health and value creation agenda across consumer and/or SME card products. You'll diagnose performance (activation, digital adoption, spend, ENR, attrition), design precise lifecycle interventions, and deliver controlled change with measurable uplift. Expect hands‑on partnership with Product, Analytics, Marketing, Operations, Risk, and Compliance to run always‑on portfolio programs and to install robust guardrails for sustainable growth.
All About Us
The Data & Services team is a key differentiator for Mastercard, providing end‑to‑end services that help our customers grow. We combine traditional management consulting with rich data assets and in‑house technology to deliver strategic insights and measurable outcomes. Specialized Product Delivery (Deploy) focuses on expert execution—deployment and value realization—from implementation to adoption, usage, and product evolution
As an Associate Managing Consultant, Specialized Product Delivery (Portfolio Management Manager — Specialist) you will
Portfolio strategy, insights, and execution
Diagnose portfolio performance end‑to‑end (acquisition, activation, early‑life usage, ENR, attrition) and convert findings into quarterly OKRs and a prioritized experiment backlog.
Design and launch precision lifecycle programs (activation accelerators, spend stimulation, balance build, retention save‑offers), with explicit hypotheses, target cohorts, success metrics, and control groups.
Instrument performance dashboards (activation, tokenization, spend per active, ENR, churn, campaign ROI) and run test‑and‑learn to optimize offer design, timing, and channels.
Calibrate growth with controls: partner with Risk/Compliance/Operations to embed documentation, approvals, and audit trails for each change; maintain clean delivery and governance.
Product & proposition tuning
Evolve pricing, features, and benefits to improve perceived value and margins (e.g., fee constructs, installment/EPP levers, rewards tuning), using competitive benchmarks and cohort analysis.
Close the loop with Product and Marketing on campaign narratives, CX fixes, and digital journey improvements; quantify uplift vs. baseline.
Stakeholder leadership & delivery discipline
Run weekly portfolio cadences with Product, Analytics, Ops, and Marketing to remove barriers, approve tests, and course‑correct; publish action trackers and impact summaries.
Execute with rigor (RAID logs, gated milestones, cutover plans, post‑launch stabilization) so changes land safely and scale.
Team Collaboration & Culture
Translate complex analysis into clear choices and crisp storytelling for senior stakeholders; facilitate decision‑ready forums.
Plan and structure your work and that of junior teammates; lead or co‑lead portfolio reviews and experiment readouts.
Contribute playbooks (segmentation, offers, dashboards) and mentor colleagues—we grow leaders, not just deliverables.
All About You
Experience: 5–8 years in cards/payments portfolio management (issuer side or consulting), with hands‑on delivery of lifecycle programs and measurable uplift on activation, spend, ENR, and attrition.
Analytics & experimentation: Comfortable with segmentation, A/B tests, propensity/churn models, and campaign ROI; fluent in Excel/BI with strong data storytelling.
Product & CX: Evidence of tuning pricing/features/benefits and fixing CX to improve portfolio health; able to brief Product/Marketing and validate changes through experiments.
Controls & delivery: Proven ability to land changes within scheme/regulatory guardrails, maintain audit‑ready documentation, and stabilize post‑launch operations.
Stakeholder leadership: Track record aligning Product, Risk, Ops, Marketing, and vendors to deliver on time and on budget, with weekly performance rhythms.
You've designed and shipped 3+ lifecycle programs with quantified outcomes (e.g., +activation, +spend per active, +ENR, −attrition).
You can show a improvement: insight → intervention → measured uplift → scaled run‑rate.
Partners rely on you to make data useful and to land changes safely with audit‑ready evidence.
All About Your Education & Skills
Bachelor's degree (advanced degree/MBA a plus).
Advanced PowerPoint/Excel/Word; familiarity with BI/campaign tools (e.g., Tableau/Power BI, marketing automation).
Strong written, verbal, and stakeholder communication; organization, multitasking, and analytical problem‑solving.
Willingness to travel across the region as needed up to 80%
Corporate Security Responsibility
All activities involving access to Mastercard assets, information, and networks come with inherent risk. Every person working for, or on behalf of, Mastercard is responsible for information security and must: abide by security policies, ensure confidentiality/integrity, report suspected violations, and complete mandatory training per Mastercard guidelines
Corporate Security Responsibility
All activities involving access to Mastercard assets, information, and networks comes with an inherent risk to the organization and, therefore, it is expected that every person working for, or on behalf of, Mastercard is responsible for information security and must:
Abide by Mastercard's security policies and practices;
Ensure the confidentiality and integrity of the information being accessed;
Report any suspected information security violation or breach, and
Complete all periodic mandatory security trainings in accordance with Mastercard's guidelines.
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