About the role
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About the business area
The Retail Banking Group (RBG) supports retail and micro-business customers in managing their finances, through expert advice and the provision of a full suite of specialist products and services in conventional and Shari’ah compliant banking. The business is committed to driving digital innovation to deliver excellence in customer service. We are actively seeking an ambitious professional to join our team to work alongside passionate colleagues who share your ambition to redefine excellence in UAE banking.
In this role, your key responsibilities include:
- Oversee and optimise revenue generation through sale of various financial services of the company in order to achieve agreed financial targets and maximise revenue generation.
- Lead and maintain internal stakeholders/external agencies and client relationships to achieve desired objectives of the company.
- Manage and control customer portfolios to achieve desired revenue through cross-sell, upsell and retention.
- Strategic Corporate Portfolio Management: Lead and grow a portfolio of Mid-Corporate and Large-Corporate merchant acquiring relationships, focusing on revenue growth, retention, wallet share and long-term client value.
- Payments & Fintech Expertise: Strong knowledge of Merchant Acquiring, POS, e-commerce, payment gateways/PSPs, digital payments and merchant integrations, with an understanding of end-to-end transaction flows.
- Commercial & P&L Ownership: Manage portfolio profitability through merchant pricing, interchange and scheme economics, transaction costs, margin management and P&L analysis, taking corrective commercial actions where required.
- Corporate & Business Banking Synergy: Work closely with Corporate Banking and Business Banking coverage teams to identify cross-sell opportunities, deepen client relationships and increase acquiring wallet share across strategic.
- Lead and develop the Strategic Accounts team while managing senior/C-level client relationships, complex implementations, commercial negotiations, service governance and critical escalations.
- Organise and supervise the activities and work of the team to ensure that targets and objectives are achieved and the business plan is delivered in line with the required policies, processes, procedures and systems.
The ideal candidate should have the following experience:
- Strong knowledge of Merchant Acquiring, POS, e-commerce, payment gateways/PSPs, digital payments and merchant integrations, with an understanding of end-to-end transaction flows.
- At least 5 years of experience in Retail Banking.
- Bachelor’s Degree in Business Administration, Sales or Finance or relevant specialization.
- In depth knowledge of global financial markets and trends.
- Understanding of Retail Banking products and services.
What we offer:
Comprehensive Benefits Package: This includes market-leading medical insurance, group life and personal accident insurance, paid leave and leave airfare, employee preferential rates on loans and finance facilities, staff discounts and offers, and children education assistance (for certain job levels).
Flexible and Remote Working Options: We understand the importance of work-life balance and offer flexible working arrangements, subject to eligibility and job requirements.
Learning and Development Opportunities: We value and facilitate continuous learning and personal development, through a variety of exciting learning opportunities, such as structured instructor-led courses, a comprehensive e-Learning catalog, on-the-job training and professional development programs.
At the company, we are dedicated to creating a respectful, caring and disciplined work environment that aligns with your career ambitions.
