Cards Business Officer

Aiming to achieve business objectives, you will act as a focal point for Retail and Bank Card Pricing and profitability. You will also build and implement product pricing strategies for card business by initiating ideas and features/benefits of the product tailored for each target segment. You will be responsible for implementing action plans including pricing, product development, marketing, and target sales, in such way to meet business objectives. 

**What will you do?**

- Responsible for managing Card Business pricing and performance from an end-to-end perspective of customer and product life cycle.
- Ensure successfully driving the card business aspects as segment selection, product development, channel planning, portfolio life cycle management, card customer processes and performance, portfolio utilization.
- Collaborate with Card Business Team Leader to develop Cards Business Strategy and Product P&L management.
- Responsible for reviewing product policies and recommending changes based on risk policy analysis.
- Responsible for designing and introducing new products which will bring value to Card Acquisition and Cards Portfolio profitability.
- Responsible for the schedule of card fees & charges and recommending pricing changes to optimize revenue and manage customer impact.
- Work with S&D, CRM, Marketing Department, Customer Experience to create and implement the proper card channel strategy, card acquisition plan, activation, cross sell, attrition, and customer loyalty scheme.
- Responsible for monitoring ongoing Card Business results and communicating progress to Card Issuing Team Leader, including explanations for deviations, and proposing new challenges and appropriate or opportunistic actions to improve results.
- Participate in projects that require Cards’ product support on issuing and acquiring activities.

**You need to have:**

- University Degree in Economics or related fields;
- At least 3 years in the banking system. Cards Experience is an advantage;
- Strong interpersonal and communication skills;
- Ability to work under pressure and result oriented;
- Very good analytical skills;
- Self-motivated, energetic and ability to work well in teams;
- Strong command of spoken and written English;
- Very good knowledge of Microsoft Office package.

**Application Procedure:**

- For this position, apply here or submit your CV to the e-mail address of
recruitment.hr@raiffeisen.al
by specifying the role you are applying for in the subject line.