Cards Portfolio Manager

ADIB Group; Abu Dhabi; On-site; AED 280,000 - 480,000; Full time

Job summary

ADIB Group in Abu Dhabi is seeking a Portfolio Manager to oversee the Covered Card portfolio, driving business performance and ensuring operations stay within approved parameters.

You will develop strategies, monitor KPIs, and lead campaigns across card products, while collaborating with stakeholders to meet revenue and ENR goals. Islamic banking practices knowledge preferred and UAE experience is valued.

Qualifications

• Bachelor's degree required.
• Strong business management skills to run a business line/portfolio.
• Highly numerical and detail oriented.
• Knowledge of banking products and credit processes.
• Experience in UAE financial sector, cards business; other markets is an advantage.

Responsibilities

• Develop and execute portfolio management strategies to grow ENR and revenue across all card products.
• Conduct regular portfolio performance analysis to identify profitable products and segments and recommend actions.
• Monitor portfolio KPIs and market data to identify gaps and opportunities for strategy.
• Support customer life cycle management activities including activation, retention, spend growth and balance building.
• Lead promotional activities and lifecycle campaigns for new product development to meet sales and revenue goals.
• Design, execute and fulfill portfolio-related campaigns with stakeholders for timely delivery.
• Publish monthly business reviews of performance.
• Analyze trends affecting risk and portfolio performance and propose actions.
• Conduct ad-hoc analyses as needed.
• Ensure adherence to credit policies and risk criteria.

Skills

Portfolio management

Financial analysis

Stakeholder management

Credit risk awareness

Numerical proficiency

Education

Bachelor's degree

Job description

Role : XX
Location : XX
Role Purpose:
Manage Covered Card Portfolio to drive business performance and to ensure operations within approved parameters.

Key Accountabilities of the role

• Develop and execute Portfolio management strategies to drive increase in ENR and revenue across all card products.
• Conduct regular portfolio performance analysis across the card portfolio to identify profitable products and segments. Make recommendations on portfolio action steps as necessary.
• Regularly monitor portfolio KPIs market / competitive data to identify gaps and opportunities for further strategy formulation.
• Support in all customer life cycle management activities including activation retention spend growth and balance building.
• Effectively and successfully manage promotional aspects of new product development throughout the product lifecycle in order to meet or exceed sales and revenue goals including value proposition seasonal promotions card design pricing etc.
• Design execute & fulfilment of portfolio related campaigns. Liaise with all stakeholders to ensure timely execution of campaigns in line with business objectives.
• Publish monthly business review decks for performance review.
• Identify and analyze trends that could affect the risk and performance of the portfolio and suggest actions therein.
• Conduct ad-hoc analysis as in when required.
• Periodic reviews to ensure adherence to Credit Policies risk criteria as established in the credit program.
• Support and maintain key relationship with all key Stakeholders. Ensure team spirit and culture of shared ownership.
• Effectively manage the team by giving regular feedback and guidance required with an open communication culture.
  

Specialist Skills / Technical Knowledge Required for this role:

• Bachelors Degree
• Strong business management skill and ability to manage a business line/portfolio.
• Highly numerical & detailed oriented
• Knowledge of banking products
• Process management skills to ensure an effective & efficient credit process
• Experience of working in the Financial sector in UAE catering to Cards Business
• Experience in other markets will be an added advantage

Knowledge of Islamic / Sharia compliant banking products / practices preferable

Required Experience:

Manager