Manager - Portfolio & Business Performance.RBG - Emirati Central.Retail Banking Group

About the Role
In this role, you will manage and optimize the performance of the customer portfolio within the Emirati segments. Your main responsibilities will include end-to-end customer migration, monitoring portfolio metrics, and driving strategic initiatives to enhance profitability and customer engagement. You will also play a crucial role in financial oversight and commercial impact, ensuring alignment with overarching business objectives.

Responsibilities

• Portfolio Management

  • Manage end-to-end customer migration within Emirati segments.
  • Monitor portfolio growth, attrition, profitability, and customer mix.
  • Identify opportunities to improve portfolio quality and business returns.
  • Support portfolio allocation and segmentation strategies.

• Strategic Portfolio Ownership

  • Develop and drive portfolio growth strategy across Emirati segments aligned with bank objectives.
  • Lead portfolio optimization initiatives to maximize profitability, customer lifetime value, and risk-adjusted returns.
  • Define short- and long-term portfolio targets and monitor achievement against strategic plans.

• Financial & Commercial Impact

  • Own portfolio P&L monitoring and recommend corrective actions to achieve budget targets.
  • Identify revenue enhancement opportunities and cost optimization initiatives resulting in measurable business impact.
  • Lead business case development for new propositions, campaigns, and portfolio initiatives.

• Customer Proposition & Product Governance

  • Design and enhance value propositions for Emirati customer segments.
  • Partner with Product, Analytics, Risk, and Distribution teams to implement portfolio strategies.
  • Drive customer migration and lifecycle management initiatives to improve engagement and retention.

• Business Planning

  • Assist in annual and quarterly planning processes.

• Performance & Reporting

  • Assist the segment in efficient sales model; define KPIs, establish key deliverables, and formulate tracking process.
  • Develop and implement sales management tools and periodic circulation of RM/Team performance reports.
  • Work with product managers and support in analytics and implementation of the process.
  • Implement performance management process and conduct root cause analysis of low performers, tracking performance improvement plans with the respective account managers.
  • Translate data into actionable insights for executive decision-making.

• Incentive Scheme Management

  • End-to-end management of the incentive scheme policy, ensuring timely release of staff incentives.

• Head Count Management

  • Keep track of planned and actual head count.