To execute structured programs and campaigns across the various lifecycle stages of Cards (e.g. limit increases, cards upgrades, winback of customers having monitored cards, card spend consolidations, Supplementary Cards, Payment deferment & Payment flag (min. due) optimization, signing-up for SI and digital payments. Driving these initiatives to support the Cards Portfolio objectives (of growing Spends, ENR Balances & Revenues).Key Responsibilities:Business Strategy:

• In this people leadership role, job holder is responsible to manage a high-performance team (of Managers, Team Leaders and the tele-calling set-up) to scale-up the business.
• Actively own and lead the implementation of approved programs & initiatives, and ultimately play a key role in achievement of Cards Portfolio overall objectives of Spends, Balances (ENR) and Revenue growth
• Oversee the tele-calling team and run various initiatives (continuous engagement with existing cardholders) to achieve targets for card upgrades, limit increases, higher number of customer card win-back (monitored to normal cards), increase penetration of supplementary cards and optimizing the payment flag & executing payment deferment programs etc

P&L Management:

• Execute programs to achieve higher engagement & response-rates from a greater number of existing cardholders (by upgrades, higher limits, penetration of supplementary cards etc)
• Constantly seek to improve and enhance our campaign delivery capabilities, working to increase ROI and reduce costs.
• Create & review business cases (ROI based on revenue and cost metrics), & conduct post-program analysis to help fine-tune the programs continuously

Compliance with Sharia/L&C Requirements:

• Ensure all programs and customer communications of the function are duly approved by Sharia, Legal and Compliance

Matrix partnership with other functions

• Work closely with other relevant functions (SP&BA, Marketing, IT Dept, Process Management etc) to ensure all initiatives are executed in timely manner as per plan (calendar)

Competencies/Skills

• Engineering Degree + MBA or Chartered Accountant.
• Atleast 15 years work experience in Cards & Payments domain, out of which atleast 5 years in Cards Portfolio Management.
• Solid experience in people management, having led teams while scaling up new programs and initiatives.
• Candidates with experience in working in-depth with data analysts, IT systems and analysts and digital enablement areas is preferred.

Dubai Islamic Bank