Product Leader (Portfolio management)

_At __[NOVACARD](https://novacard.mx/)_ _, we’re redefining how people use credit. We are the __first interest-free and no-annual-fee credit card in Mexico_ _, designed to simplify personal finances and give users complete control - all from a mobile app. With NOVACARD, users can access up to __$200,000 MXN in credit_ _, only pay when they use it, and manage everything digitally in under 5 minutes. Our mission is to empower people to make smarter financial decisions by offering flexibility, transparency, and the freedom they need to reach their goals. Simple finances, big goals._

About the Role:

We are looking for an experienced Product Leader to own portfolio management for our near-prime client base. You will design and execute a comprehensive portfolio strategy, from activation and first use to balance building and long-term retention. This role requires a systems thinker who can manage the entire customer lifecycle, turn data into actionable initiatives, and orchestrate cross-functional campaigns that improve portfolio quality and profitability. The role is based in Mexico, with remote flexibility and business trips when required.

Key Responsibilities:

• Portfolio Strategy: Develop and implement a portfolio management strategy focused on increasing customer quality, engagement, and lifetime profitability across the Near Prime segment.
• Activation & First Use: Launch and coordinate campaigns that drive new customer activation and first product usage, ensuring a fast and seamless time-to-value.
• Balance Building: Design initiatives to grow customer balances, manage limit strategies, and deliver personalized offers that deepen product engagement.
• Retention Management: Own the retention strategy for the portfolio. Proactively identify churn risks, analyze attrition drivers, and deploy targeted measures to reduce churn and increase loyalty.
• Metric Ownership: Track and manage core portfolio KPIs: activation rate, usage rate, balance per customer, churn, engagement depth, and repeat utilization. Initiate data-driven changes to meet target outcomes.
• Cross-Functional Execution: Collaborate closely with CRM, marketing, legal, risk, and analytics teams to bring portfolio initiatives to life — from campaign design to execution and measurement.
• Analysis & Optimization: Continuously monitor the performance of portfolio campaigns and lifecycle programs, using A/B testing, cohort analysis, and segmentation insights to refine approaches and improve ROI.