Commercial Portfolio Manager

PayTech Nexus Ltd; Dubai; On-site; AED 300,000 - 460,000; Full time

Job summary

PayTech Nexus Ltd in Dubai is seeking an experienced Commercial (SME) Portfolio Manager to lead the end-to-end SME credit card portfolio. You will drive customer acquisition, design onboarding journeys, and optimize pricing and rewards to grow profitability.

collaborative effort with sales, operations and tech will ensure seamless card issuance and activation across the UAE market. The role requires deep knowledge of the GCC SME landscape, English proficiency, and strong analytical reporting

Qualifications

• Must have full lifecycle SME/commercial card product management experience.
• Experience in onboarding activation and spend stimulation strategies.
• Familiarity with GCC SME market dynamics and regulatory environment.
• Strong analytical and reporting capabilities.

Responsibilities

• Lead SME customer acquisition campaigns across digital, direct, and partner channels to onboard new clients.
• Design onboarding journeys to maximise activation and early spend.
• Optimize pricing, rewards, and product features for profitability.
• Monitor portfolio performance and identify underutilized segments for spend stimulation.
• Collaborate with sales, operations, and technology for seamless card issuance and servicing.
• Develop and deliver training programs for internal teams and partners.
• Prepare monthly dashboards and insights for senior stakeholders.
• Support expansion into new SME verticals with tailored propositions.
• Leverage company assets to enhance product delivery and campaigns.

Skills

Campaign design and execution

Portfolio analytics

Product pricing and rewards

Stakeholder management

Training design and delivery

Scheme rule interpretation

Onboarding platforms

English proficiency

SQL

Excel

Tools

SQL

Excel

Job description

Job Title: Commercial (SME) Portfolio Manager

Term: 12 months

Location: Dubai

Division: Issuing and Processing

Reports to: Head of Product Head of Issuing

Relevant experience: 8-12 years in commercial cards product management SME portfolio development and customer acquisition in the UAE/ GCC region.

Mandatory requirements:

• UAE market experience in SME/ Commercial cards
• Professional proficiency in English
• Experience in card operations onboarding and activation campaigns
• Experience in stakeholder management across products credit risk and operations

Purpose of the Project

Support the launch and growth of clients new SME commercial credit card portfolio in the UAE. Drive customer acquisition activation and spend through targeted campaigns and operational excellence

Key Activities

Core Responsibilities and Accountabilities

• Lead SME customer acquisition campaigns across digital direct and partner channels to onboard new clients.
• Design and implement onboarding journeys to maximize activation and early spend.
• Optimize pricing rewards and product features to drive portfolio profitability.
• Monitor portfolio performance and identify underutilized segments for targeted spend stimulation.
• Collaborate with sales operations and technology teams to ensure seamless card issuance and servicing.
• Develop and deliver training programs for internal teams and partners to support SME engagement.
• Prepare monthly performance dashboards and insights for senior stakeholders.
• Support expansion into new SME verticals through tailored propositions.
• Leverage companys assets and tools to enhance product delivery and campaign execution.

KPIs

• SME card acquisition volume (monthly target)
• Activation rate within first 30 days Monthly spend per active SME card
• Portfolio revenue growth (%)
• Campaign ROI and conversion rate
• SLA adherence for onboarding and servicing
• Training effectiveness (feedback score)
• Fraud rate (% of transactions flagged)
• Time-to-market for new SME card features

Knowledge and Experience

Must-have:

• Full lifecycle of SME/commercial card product management
• Experience in onboarding activation and spend stimulation strategies
• Familiarity with GCC SME market dynamics and regulatory environment
• Strong analytical and reporting capabilities

Nice-to-have:

• Arabic language proficiency (Verification Needed)
• Experience with B2B payments and supplier enablement
• Knowledge of TSYS Prime or similar card platforms (Verification Needed)
• Experience with card scheme tools and mandates

Mandatory Skills**

• Campaign design and execution (digital direct partner)
• Portfolio analytics (SQL/Excel)
• Product pricing and rewards optimization
• Stakeholder management across product credit risk and operations
• Training design and delivery
• Scheme rule interpretation (Verification Needed)
• Familiarity with onboarding systems and card issuance platforms (Verification Needed)