First Abu Dhabi Bank is an inclusive environment where each person values the experiences, perspectives, ideas and beliefs of others. We’re in a unique position to learn from all our colleagues, combining international experience with deep cultural knowledge and local expertise. At FAB, you’ll have the support of your team and a strong relationship with your line manager, who will trust you with responsibility and recognize your good performance. As we embrace different ways of seeing the world, listening to each other and respecting different viewpoints, we grow stronger – together

JOB PURPOSE:

Key role is to manage, optimize and transform the credit card onboarding, acquisition, and card payments solutions across FAB & Dubai First credit cards.

With a focus to ensure our end-to-end cards on-boarding journey is market leading, working with key business partners to drive top of the funnel marketing, digital journey optimization and balanced credit conversion.

Also, to deliver a strong return on investment and sustainable growth in new cards acquisitions, with the right quality and product mix across the desired channels to budget.

Lastly with a focus to keep customers digitally on-boarded working with the schemes to leverage market leading payment features or products to bring a true in app digital CX to life.

ACCOUNTABILITIES:

End to end cards onboarding

Ownership of both short term and long-term business objectives to materially improve the customer and banker experience when taking out and 1st using your credit card

Top of the funnel marketing, designing, and tracking market leading welcome offers across various channels. Working with marketing function and agency to yield the best results

Optimize credit card journeys, working with digital teams to identify opportunities to reduce drop offs and customer paint points

Improving the credit conversion working with credit and risk, to balance approval rates and collections flows  

Card Business Acquisition

Deliver a full year plan, which manages the key driver of net account growth from sustainable acquisitions with focus on key drivers, objectives, and achieving business targets 

Drive P&L outcomes

Focus on Quality of acquisition, profitability, and sound credit and fraud risk management.

ROI management

Optimization across channels

Support or drive product Launches

Payments

Continuous development of market leading card and digital features in app, to make FAB cards the best, way to pay, borrow and reward in the UAE. Ensure a customer can be digital 1st in their application journey and beyond

Instant card provision

E-Commerce Payments

Instant card provision, dynamic CCV

Digital Wallet

Tokenization

Internal & External Collaboration

Collaborate with Internal stakeholders to identify, prioritize, and design processes, rules of engagement, and ways of work with an objective for digitalization, simplification, and rationalization to achieve high standards of service, with the ability to influence and shape the agenda. Main internal stakeholders are:

Marketing

Digital & Technology

Credit & Risk

Distribution

Fraud & Operations

Across the broader cards product team

Across the broader consumer banking team

Schemes

Partner Co-Brands

New Fin Techs

People

Ability to lead and inspire direct team and broader end to end business and partners.

Ability to influence change and drive results, deliver key tangible outcomes to market.

Build up team capabilities and ensure knowledge transfer and continuous development.

Empower people to create a robust succession plan.

Manage the hiring, firing, and ensure the high engagement of team members.

Create space for growth and enhancing leadership capabilities of the team members.

Minimum Qualification

University or Graduate degree in Business (MBA an advantage).

Minimum Experience

Domain knowledge in multiple geographies is an advantage.

Overall experience of at least 15 years with a minimum of 10 years of experience in Cards Product

Strong Marketing skills and a thorough knowledge of Banking Products/ Services / Payments/ Digital

Extensive knowledge of Financial Services industry, Central Bank's rules, regulations, and procedures.

Knowledge of Agile process and principles, Design Thinking, Digital Transformation & Sustainable Finance

Analytical ability and strategic thinking.

Strong communications, leadership/negotiations, and interpersonal skills.

Management of external partners

Ability to work under pressure & multi-task.