As a Vice President – Portfolio Management (Cards), you will report to the Head of Cards – Personal Banking Group and lead the growth and engagement agenda across the cards portfolio, spanning credit, debit, commercial, and prepaid products. This role is critical in driving portfolio profitability, customer engagement, and lifecycle management, with end-to-end ownership of campaigns, rewards strategy, merchant partnerships, and customer value optimization across the entire cardholder journey.
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What You’ll Be Doing:
- Define and execute lifecycle strategies across activation, engagement, retention, and reactivation.
- Drive spend campaigns, gamification initiatives, and cross-sell strategies using data-driven insights.
- Optimize payment plans (EPP), limit management (CLI/CLD), and rewards programs.
- Analyze customer behavior, market trends, and competition to unlock new growth opportunities.
- Own key growth metrics including transaction volumes, revolving balances, and portfolio profitability.
- Ensure seamless engagement across the full customer lifecycle—from onboarding to retention.
- Enhance customer experience through personalized campaigns, rewards, and loyalty programs.
- Collaborate with cross-functional teams including Marketing, Risk, Credit, Technology, and Operations.
- Ensure adherence to regulatory requirements including Central Bank guidelines, KYC/AML, and data privacy.
Requirements:
- Bachelor’s degree required, with preference for candidates holding an MBA or equivalent postgraduate qualification.
- 12+ years of experience in cards portfolio management within retail banking.
- Minimum 5 years’ experience within the UAE market.
- Strong expertise in cards portfolio strategy, lifecycle management, and customer engagement.
- Proven ability to lead cross-functional teams and influence senior stakeholders.
What’s In It For You:
- Competitive, performance-linked compensation.
- Medical coverage for you and your family.
- Comprehensive life insurance.
- Opportunity to drive growth across a high-impact cards portfolio.
- Exposure to data-driven, digital-first transformation initiatives.
