Portfolio Manager (Cards)

About Wio

Wio Bank is a leading one-of-a-kind financial platform that is revolutionizing the banking industry in the MENA region. Our platform is here to reboot personal and business banking in the digital age. Our personalised features and seamlessly integrated services are built around your needs, helping you spend, save, and plan for your future.

Role Overview

The Portfolio Manager for Cards at Wio Bank drives end-to-end growth across acquisition, activation, spend, and balance expansion for both Retail and SME card propositions.

Working closely with the Head of Cards, this role shapes Wio’s next-generation card ecosystem—launching digital-first propositions, co-branded cards and multi-currency loyalty experiences. The role is central to scaling our card portfolio through data-led decision making, ecosystem partnerships, and seamless digital journeys.

What You'll Be Responsible For

• Drive card acquisition, activation, spend per active, and revolving balances.
• Support in the launching of co-branded cards, Jaywan card, and multi-currency loyalty propositions.
• Build acquisition partnerships with platforms, aggregators, and segment heads.
• Collaborate with Visa & Mastercard on funding, insights, and product development.
• Partner with Credit to optimize approval rates and risk frameworks.
• Collaborate with POs, Tech, and Ops to ensure seamless fulfilment and servicing.
• Ensure full compliance with Central Bank regulations and scheme requirements.

What Are We Looking For

• 8–15 years in cards, payments, digital banking, or fintech with strong portfolio growth or product ownership experience.
• Deep understanding of card economics, loyalty programs, scheme operations, risk, and digital acquisition funnels.
• Proven experience scaling portfolios and launching digital or co-branded card propositions.
• Strong cross-functional collaboration—comfortable working with Product, Tech, Design, Credit, Data, and Ops teams in an agile environment.
• Analytical and data-driven with excellent communication, stakeholder management, and leadership capabilities.

Success Criteria

• Growth in digital acquisition, approval rates, and funded accounts.
• Higher spend per active, engagement, and share-of-wallet.
• Increase in revolving balances, yield, and profitability.
• Successful launch and adoption of co-brands, Jaywan, and loyalty propositions.
• Improved NPS, digital journey performance, and servicing efficiency.
• Incremental acquisition volumes from ecosystem and digital partners.