Card Portfolio Specialist

Job Overview

Africa Pay is seeking an experienced Card Portfolio Specialist to join their team in Kampala, Uganda. The role focuses on driving growth, profitability, and optimization of the card business across two subsidiaries. You will work closely with internal teams and the client to enhance customer value propositions, accelerate digital adoption, and ensure sustainable portfolio performance through data-driven strategies.

Key Responsibilities

Monitor and optimize portfolio performance metrics including approval rates, spend growth, credit specialization, and pricing effectiveness. You will analyze trends and identify opportunities to improve profitability while managing risk exposure.

Design and execute data-driven customer campaigns aimed at driving acquisition, activation, and increased spend. These campaigns will leverage customer insights to create targeted promotions that resonate with specific segments.

Lead sales and marketing initiatives, including acquisition programs, promotional offers, and revenue optimization actions. You will coordinate with cross-functional teams to ensure alignment and timely execution.

Coordinate campaign execution across stakeholders such as fraud, operations, and sales departments to improve operational efficiency. Your role will involve streamlining processes and reducing bottlenecks.

Drive product innovation and refine card value propositions in collaboration with internal teams and the client. This includes testing new features, evaluating competitor offerings, and recommending enhancements.

Increase digital adoption across portfolios by promoting mobile wallet usage, online statements, and contactless payments. You will track revenue, cost, profitability, risks, and performance gaps to inform decision‑making.

Qualifications & Experience

Candidates should possess 8 to 10 years of relevant experience in card payments, banking, or financial services. A strong background in portfolio management and credit risk assessment is essential.

Deep knowledge of local banking regulations and payment ecosystems in Uganda and the broader East African region is required. Familiarity with mobile money platforms and emerging fintech trends will be advantageous.

Proven expertise in portfolio optimization techniques, including pricing strategies, credit limit management, and loss mitigation. You should have a track record of delivering measurable improvements in portfolio performance.

Experience in product innovation and digital adoption initiatives, such as launching new card features or driving digital channel usage. Ability to work with product development teams to translate ideas into market‑ready solutions.

Strong analytical skills with proficiency in data analysis tools like Excel, SQL, or Python. You must be comfortable interpreting large datasets and presenting findings to senior stakeholders.

Excellent leadership and stakeholder management abilities, capable of influencing cross‑functional teams and building consensus. Effective communication skills are vital for presenting complex concepts in a clear manner.

Benefits & Perks

Africa Pay offers a competitive salary package that reflects the seniority and impact of the Card Portfolio Specialist role. In addition to base pay, performance‑based bonuses are available based on portfolio growth and profitability targets.

The company provides comprehensive health insurance coverage for employees and their immediate families. This includes access to private hospitals and clinics across Uganda.

To support work‑life balance, employees receive a monthly housing allowance and a transport stipend to ease commuting costs in Kampala. These benefits are designed to reduce financial stress and improve overall wellbeing.

Lunch vouchers or a subsidized canteen service are provided on working days, ensuring that staff have access to nutritious meals during the office hours.

Professional development is encouraged through access to training programs, certifications, and conference attendance relevant to the payments industry. Africa Pay invests in continuous learning to keep its workforce at the forefront of innovation.

Employees also enjoy paid annual leave, public holidays, and sick leave in accordance with Ugandan labor laws. The company fosters a supportive environment where career progression is recognized and rewarded.

How to Apply

Interested candidates should submit their updated CV and a cover letter detailing their relevant experience to the recruitment team. Please ensure that your application highlights your expertise in card portfolio management and digital payments.

Applications can be sent via email to [email protected] or you can apply directly through the job portal by clicking the link below.

Apply here for the Card Portfolio Specialist position

The application deadline is 25 August 2026. Early submissions are encouraged as positions may be filled before the closing date.

About the Company

Africa Pay is a leading financial technology provider focused on delivering innovative payment solutions across the African continent. The company partners with banks, merchants, and consumers to create secure, convenient, and inclusive financial services.

With a strong presence in Uganda and expanding operations in neighboring markets, Africa Pay is committed to driving financial inclusion through technology. The organization values integrity, collaboration, and a customer‑centric approach in all its endeavors.

By joining Africa Pay, you will become part of a dynamic team that is shaping the future of digital payments in East Africa. The company offers a stimulating work environment where your contributions will have a tangible impact on the growth of the card business.

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