Description

• 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.
• Monitor campaign ROI, customer lifetime value, and revenue contribution.
• Optimize spend allocation across segments through close collaboration with analytics and finance.
• Strengthen merchant partnerships to drive incremental value and revenue.

• Ensure seamless engagement across the full customer lifecycle-from onboarding to retention.
• Enhance customer experience through personalized campaigns, rewards, and loyalty programs.
• Leverage customer feedback and insights to improve engagement strategies and satisfaction.
• Address customer pain points to drive retention and long-term value.

• Partner with digital teams to embed gamification, analytics, and interactive experiences into journeys.
• Drive continuous improvement in campaign targeting, measurement, and channel optimization.
• Support system enhancements and digital migration of customer servicing journeys.

• Collaborate with cross-functional teams including Marketing, Risk, Credit, Technology, and Operations.
• Influence senior stakeholders and contribute to strategic decisions across the Cards business.
• Build and lead a high-performing Growth & Engagement team within a matrix environment.

• Ensure adherence to regulatory requirements including Central Bank guidelines, KYC/AML, and data privacy.
• Maintain strong controls, audit readiness, and risk mitigation across campaigns and partnerships.
• Manage fraud, operational, and compliance risks associated with portfolio activities.

• 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.
• Deep understanding of retail banking, digital channels, and loyalty/rewards ecosystems.

• 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.
• Collaborative, performance-driven culture focused on innovation and results.

• Commercial Acumen: Strong understanding of portfolio profitability, pricing, and growth levers.
• Analytical Capability: Expertise in customer analytics, segmentation, and campaign optimization.
• Customer Focus: Deep understanding of lifecycle management and engagement strategies.
• Digital & Innovation: Experience with digital marketing, gamification, and platform integration.
• Leadership & Influence: Proven ability to lead cross-functional teams and influence senior stakeholders.