Card Portfolio Specialist Job in Kampala, Uganda – AfricaPay

About AfricaPay

Job Summary

Key Responsibilities

• Monitor and optimise portfolio performance, including approval rates, card activation, spending trends, profitability, and pricing effectiveness.
• Develop and execute customer acquisition, activation, retention, and spend campaigns using data-driven insights.
• Lead sales and marketing initiatives that increase card usage, customer engagement, and revenue generation.
• Analyse portfolio performance and recommend strategies to improve profitability and customer lifetime value.
• Collaborate with product teams to develop innovative card products and enhanced customer value propositions.
• Coordinate campaign execution across operations, fraud, compliance, customer service, and sales teams.
• Drive digital banking and digital payment adoption across customer portfolios.
• Identify revenue opportunities while managing portfolio risks and operational costs.
• Monitor customer behaviour, transaction trends, and market developments to improve business performance.
• Produce portfolio performance reports and present actionable recommendations to senior management.
• Ensure compliance with banking regulations, card scheme requirements, and internal governance policies.
• Support continuous improvement initiatives that enhance operational efficiency and customer satisfaction.

Minimum Qualifications

• Bachelor's Degree in Business Administration, Finance, Economics, Marketing, Banking, Commerce, Information Systems, or a related field.
• Professional certifications in Banking, Payments, Product Management, Project Management, or Data Analytics are an added advantage.
• 8–10 years of relevant experience in banking, card payments, financial services, or portfolio management.
• Strong understanding of card issuing, acquiring, payment systems, and Uganda's banking sector.
• Proven experience managing customer acquisition and marketing campaigns.
• Strong analytical and commercial decision-making skills.
• Excellent stakeholder management and leadership abilities.
• Outstanding communication and presentation skills.
• Proficiency in Microsoft Excel, Power BI, SQL, and other analytical tools is highly desirable.

Required Skills

• Card Portfolio Management
• Banking Operations
• Card Payments
• Digital Banking
• Payment Systems
• Portfolio Optimisation
• Customer Analytics
• Product Management
• Product Innovation
• Customer Lifecycle Management
• Revenue Optimisation
• Financial Analysis
• Business Intelligence
• Data Analytics
• Campaign Management
• Customer Acquisition
• Customer Retention
• Pricing Strategy
• Risk Management
• Fraud Management
• Business Development
• Leadership
• Strategic Planning
• Stakeholder Management
• Project Management
• Digital Transformation
• Performance Reporting
• Problem Solving
• Decision Making
• Cross-functional Collaboration

Why Join AfricaPay?

Career Growth Opportunities

• Senior Card Portfolio Manager
• Head of Cards
• Digital Payments Manager
• Product Manager – Cards
• Portfolio Strategy Manager
• Head of Digital Banking
• Payments Business Manager
• Commercial Manager
• Head of Consumer Banking Products

Benefits of Working in Card Portfolio Management

• Competitive remuneration package
• Career progression opportunities
• Exposure to digital banking innovation
• Professional development and continuous learning
• Regional and international collaboration opportunities
• Leadership development
• Participation in strategic business initiatives
• Dynamic and technology-driven work environment

How to Apply

Interview Tips for Card Portfolio Specialist Jobs

• Explain your experience managing a card portfolio.
• How do you improve portfolio profitability?
• Which KPIs do you monitor in a card business?
• Describe your experience with Visa, Mastercard, or other payment schemes.
• How would you increase customer acquisition and card activation?
• Explain your approach to customer segmentation.
• How do you measure campaign success?
• What pricing strategies have you implemented?
• How do you manage portfolio risks?
• Describe a successful product launch you led.
• What analytical tools have you used to monitor portfolio performance?
• How do you increase digital banking adoption?

• Tell us about a challenging project you successfully completed.
• Describe a situation where you improved customer experience.
• Explain a difficult business problem you solved using data.
• Tell us about a time you managed conflicting stakeholder expectations.
• Describe your leadership style.
• Give an example of exceeding business targets.
• How do you prioritise multiple projects?

• Research AfricaPay's products and digital payment solutions.
• Understand Uganda's banking and payments industry.
• Revise card portfolio KPIs such as:
  • Card activation rate
  • Approval rate
  • Spend per active card
  • Portfolio profitability
  • Customer acquisition cost
  • Customer retention rate
  • Revenue per customer
  • Digital adoption rate
• Prepare measurable examples of achievements.
• Demonstrate commercial awareness and strategic thinking.
• Dress professionally.
• Arrive early with copies of your CV and certificates.
• Practise answering competency-based interview questions using the STAR (Situation, Task, Action, Result) method.

What a Qualified Card Portfolio Specialist CV Should Include

• 8–10 years of banking or payments experience.
• Expertise in card portfolio management.
• Strong commercial and analytical skills.
• Product innovation experience.
• Digital banking knowledge.
• Leadership and stakeholder management experience.

• Card Portfolio Management
• Card Payments
• Banking Operations
• Portfolio Optimisation
• Product Development
• Digital Banking
• Customer Analytics
• Business Intelligence
• Financial Analysis
• Revenue Optimisation
• Campaign Management
• Risk Management
• Fraud Prevention
• Pricing Strategy
• Leadership
• Strategic Planning
• Stakeholder Management
• Microsoft Excel
• Power BI
• SQL
• CRM Systems
• Visa Operations
• Mastercard Operations

• Job title
• Employer
• Employment dates
• Key responsibilities
• Measurable achievements

• Increased active cardholders by 30%.
• Improved customer activation by 25%.
• Increased portfolio profitability by 20%.
• Grew digital banking adoption by 40%.
• Reduced customer attrition by 15%.
• Successfully launched new card products.
• Led campaigns that generated significant revenue growth.
• Improved operational efficiency through process optimisation.

• Bachelor's Degree in Finance, Banking, Business Administration, Economics, Commerce, Marketing, or Information Systems.
• MBA or Master's Degree is an added advantage.

• Certified Payments Professional (CPP)
• Visa Business Certification
• Mastercard Academy Certification
• Certified Product Manager
• PMP
• PRINCE2
• Agile Certification
• Microsoft Power BI Certification
• Data Analytics Certification

• Card Management Systems
• Visa Platforms
• Mastercard Platforms
• Power BI
• SQL
• Microsoft Excel (Advanced)
• CRM Systems
• Business Intelligence Tools
• Financial Reporting Systems
• Digital Banking Platforms

• Revenue growth
• Portfolio expansion
• Customer acquisition
• Product launches
• Awards and recognition
• Cost savings
• Digital transformation projects
• Business growth initiatives

Application Tips

• Tailor your CV specifically for the Card Portfolio Specialist role.
• Use keywords from the job description to improve Applicant Tracking System (ATS) compatibility.
• Focus on measurable achievements instead of listing responsibilities.
• Keep your CV between 2–3 pages with a clean and professional layout.
• Proofread carefully to eliminate spelling and grammatical errors.
• Submit a customised cover letter explaining why your experience aligns with AfricaPay's objectives and how you can contribute to the growth of its card portfolio business.