Doraid Zahran

Providing strategic portfolio consulting for a leading Saudi bank,
driving cards portfolio growth, customer engagement, and
portfolio performance across Acquisition, Activation, and ENR.
• Lead portfolio performance across Acquisition,
Activation, and ENR, ensuring alignment with business
objectives and KPIs.
• Drive portfolio growth through customer segmentation,
behavioral insights, and performance analytics.
• Design and optimize acquisition and activation
campaigns to maximize customer engagement,
profitability, and ENR.
• Build executive dashboards, KPIs, and performance
reports to support data-driven decision-making.
• Collaborate with Business, Operations, Marketing,
Analytics, Product, and Digital teams to deliver key
initiatives.
• Identify opportunities to enhance portfolio performance
through customer insights and market analysis.
• Provide strategic recommendations to senior
management to support business growth.
Key achievements:
• Increased ENR by 9% through targeted spend and
balance conversion campaigns.
• Increased EPP bookings by 43%.
• Increased monthly card activations by 100%.
• Planned and launched 10+ monthly Spend and
Activation campaigns to drive portfolio growth and
customer engagement.
• Built a RAC-based calculator for credit card limit
calculations.

• Managed the banks credit cards portfolio, overseeing
portfolio performance, profitability, KPIs, and customer
lifecycle management.
• Designed and executed data-driven acquisition,
activation, usage, and retention campaigns to drive
portfolio growth.
• Developed and enhanced credit card products,
policies, and customer journeys across branches and
digital channels.
• Led strategic initiatives with Mastercard, Visa, processors,
and external partners to enhance card products and
portfolio performance.
• Collaborated with cross-functional teams to deliver new
card products, portfolio enhancements, and strategic
initiatives.
Key
• Grew the credit cards portfolio by 25% and outstanding
balances by 35% through targeted campaigns and
product enhancements.
• Successfully led a major scheme and processor migration
project.
• Contributed to the launch of a virtual prepaid card and
a multicurrency credit card.
• Designed and delivered high-impact cashback and
loyalty campaigns.
• Developed launched a new Credit Card Policy.

• Managed the end-to-end lifecycle of cards and
payments marketing campaigns.
• Developed customer segmentation strategies to drive
acquisition and usage.
• Monitored campaign performance and optimized results
based on KPIs.
• Collaborated with product, operations, and finance
teams to support portfolio growth.
Key
• Grew the cardholder base by 224% through
acquisition campaigns. Increased transaction value by 320% card usage.
• Launched acquisition and usage campaigns portfolio growth customer engagement.

Working at the Head Office as part of the Retail Cards Business Development Unit.

Main responsibilities:
- Ideation, execution and monitoring of cards campaigns and products launching.
- Involved in working with the latest payments technologies and integrating them into our retail cards offerings.
- Worked on developing Credit Cards features.
- Executed Credit Cards animation and acquisition
campaigns.
- Updated Credit Cards Policy.
- Worked on Cards design.
- Assisted the Marketing Team in designing the Cards Marketing Materials.

Meeting and exceeding sales targets, customer excellence metrics, and customer accounts management with the bank. My core objectives were to interface with the customers on their needs and requirements in dealing with the bank.

Working as a Teller and Acting Customer Service Agent, with a focus on delivering a professional image and seamless experience for the bank’s clients.