Nathalie CABOS

San Francisco

En résumé

10+ years experience in cards and marketing in France and Europe. 5+ years consulting experience: acquisition & portfolio management strategies, customer value proposition developments, market analysis and benchmarking, p&l /mi tools, migration strategies.

Mes compétences :
Direct Marketing
Marketing strategy
Marketing Strategy & Planning
Portfolio Optimization
Strategy Planning


  • Visa Europe - Consultante / Senior business advisor

    San Francisco 2007 - maintenant Senior consultant within consulting branch of Visa Europe.
    Responsible for selling and delivering consulting assignment in France and Europe for major banks and financial organisations. The overall objective is to help the banks improve the commercial and operational performance of their card business.
    Consulting Projects carried out on debit, credit, commercial & prepaid card programmes on the following topics (list non exhaustive):
    - Boost portfolio performance and better manage the customers throughout all stages of their lifecycle.
    - Increase card acquisition and client base penetration.
    - Develop new customer value propositions
    - Overall portfolio diagnostics and growth recommendations
    - Customer lifetime value model development
    - Market entry strategy & market sizing
    - Sales process reviews
    - P&L & MI tool reviews & developments

    Market experience: France, Portugal, turkey, Czech Republic, Romania, Spain, Belgium, Netherlands, Poland
  • The Royal Bank of Soctland group - Marketing Manager

    2003 - 2007 DSenior marketing manager within credit cards business, RBS group, Edinburgh.
    -Portfolio management programme delivery on two card portfolios (c6m cards). Responsibilities included: Direct marketing campaigns: implement monthly programmes of campaigns to boost portfolio performance, customer retention & profitability.
    -Develop Customer Value Propositions: managed a range of direct marketing campaign CVP’s from a strategy and planning perspective. Activities included: results analysis, competitors research, pricing development and income forecasting.
    -Card portfolios Migration/Upgrades programme development & implementation: large-scale upgrade programmes managed from strategy stage all the way to implementation and process mapping. Programmes were often combined with activation & usage incentives to boost portfolio performance & profit. KPIs were: activation rate, balance build and revolving %, usage uplift, net profit.
    -Reactivation programme and strategy: in order to manage and optimise dormant customer segments. Activities included developing the annual marketing plan of activity to achieve strategy goals & KPIs, develop & own the P & L for reactivation programme, segment the dormant customers in the most effective manner, identify the right communication channels, analyse campaign results, manage and define product value proposition for dormant segment.
    -Cards operations: extensive experience of working closely with call centres and operations centre, re-engineering process for Upgrades and migration strategy whilst maintaining service levels.

  • Crombie Anderson - Business Development Manager

    2002 - 2003 Business development: identify new pitch opportunities for the agency, new relationship potentials, list creation, networking events.
    Business development: direct mail campaigns to potential client lists, developing materials, letters.
    Assist account managers & designers in delivering projects
    Assist in general office running.
  • Scottish Widows - Admistration officer

    2000 - 2002 Administration assistant & demutualisation project officer
    Prepare letters for client compensations
    Update change of names, addresses on the mainframe system to ensure clients could receive their compensations
    Sort and manage client letters
    Manage backlog of compensation files


  • Napier University (Edinburgh)

    Edinburgh 1999 - 2000 Marketing & European Languages (MSc)

    Napier University Business School
  • Staffordshire University (Stoke On Trent)

    Stoke On Trent 1998 - 1999 Erasmus - English

  • Université Pau - Pays De L'Adour

    Pau 1995 - 1998 Licence LCE Anglais


Annuaire des membres :