Co-branded Credit Card Manager – Chalhoub Group

Chalhoub Group’s scale across luxury fashion, beauty, and retail gives it real leverage to build loyalty and payment partnerships with banks, and a Co-branded Credit Card Manager owns exactly that kind of programme — managing the relationship, performance, and commercial terms of a credit card product developed jointly with a banking partner and tied to Chalhoub’s retail ecosystem.

The role sits at the intersection of finance, partnerships, and marketing: managing the day-to-day relationship with the banking partner, tracking card performance metrics (acquisition, spend, retention), and working with marketing teams on promotions or benefits that make the card attractive to Chalhoub’s customer base. There’s also a genuine analytical dimension — understanding which customer segments respond to which card benefits, and using that insight to negotiate better terms or design more effective promotions over time.

This suits someone commercially sharp with experience in financial products, loyalty programmes, or banking partnerships, comfortable managing an external partner relationship while also getting into the performance data deeply enough to spot what’s actually working.

A well-run co-branded credit card programme creates a genuinely different kind of customer relationship than a standard loyalty scheme — it embeds the brand into a customer's regular spending habits, which tends to drive materially higher spend frequency and retention among cardholders compared to non-cardholding customers. The Co-branded Credit Card Manager's ability to negotiate favourable terms with the banking partner and design benefits that genuinely resonate with Chalhoub's customer base directly affects both the programme's uptake and its profitability, since a poorly structured card programme can cost more in partner fees and promotional spend than it generates in incremental customer value. Because this programme spans Chalhoub's diverse retail portfolio, its performance also provides valuable data insight into cross-brand customer behaviour — understanding how a customer who shops for beauty also spends on fashion, for example — which can inform broader marketing and loyalty strategy well beyond the card itself. In a competitive luxury retail market, a strong loyalty and payments partnership is a genuine differentiator that keeps high-value customers spending within the group's ecosystem rather than splitting their spend across competitors.

This role builds a distinctive and valuable combination of skills — financial product management, banking partnership negotiation, and customer loyalty strategy — that's in real demand across retail, banking, and fintech sectors, since relatively few professionals have hands-on experience managing a co-branded financial product from the retail side. The commercial and analytical rigor required to actually make a loyalty-linked financial product profitable is excellent preparation for future roles in loyalty strategy, partnerships, or even banking-side card programme management. Working within Chalhoub Group's large, multi-brand retail ecosystem also provides genuinely rich customer data and cross-brand context that's hard to find in a single-brand retailer or a pure banking role. For someone building a career at the intersection of retail, finance, and loyalty — an increasingly valuable niche as more retailers pursue their own financial products — this role offers a strong, differentiated foundation, with realistic paths into broader loyalty, partnerships, or commercial leadership roles within the group. It's also worth noting that professionals who can genuinely speak both the retail and banking sides of a conversation like this one are still relatively rare, which tends to work in their favour whenever a related opportunity opens up elsewhere. That relative scarcity of genuinely cross-disciplinary talent tends to work in their favour whenever a related opportunity opens up elsewhere in retail or banking.

• Experience in financial products, loyalty programme management, or banking partnerships
• Strong analytical skills, including comfort tracking and interpreting programme performance data
• Bachelor’s degree in Finance, Business, or a related field; MBA is an advantage
• Negotiation skills and experience managing external partner relationships (particularly banking)
• Understanding of retail loyalty and customer segmentation principles
• Strong cross-functional collaboration skills, particularly with marketing and finance
• Experience in luxury retail or a multi-brand retail environment is an advantage