Drive growth of Cards Portfolio through cards spends, ENR Balances & Revenues of Cards business through driving initiatives for retail spends growth, Instalment plan sales, lifecycle activities.Key Result Areas:

• Responsible to manage a high-performance team (of AVPs, Managers, Team Leaders and tele-calling agents) to scale-up the cards portfolio spends, activation & ENR balances.
• Responsible for scaling up retail spends on cards as well as increase the proportion of cards that are spend-active.
• Achieve targets for Cards spends & revenues, through campaigns focused on growing sticky spends (like e-commerce, card-on-file, SI, utility bill payments) as well as international spends
• Drive targets for increasing proportion of Spend-Active Cardholders through relevant communications program (reiteration of CVP) & data-driven targeted campaigns (for rewarding customers)
• Run structured programs (continuous engagement with cardholders) to ensure spend-activation across portfolio.
• Drive the teams of tele-calling sales agents to meet targets on ENR Sales, Cards CLM & Retention KPIs
• Monitor the spend-activity levels of new acquisitions and work closely with acquisition channel leaders to ensure early spend-activation targets
• Execute programs to achieve higher engagement & response-rates from a higher number of existing cardholders (for spend-activations and overall spends growth)
• Constantly seek to improve and enhance our program delivery capabilities, working to increase program 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
• Ensure all customer transaction documents, customer communications required by Business are duly approved by Sharia, Legal and Compliance
• 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

• Minimum bachelor\'s degree. Preferred Engineering degree + MBA or Chartered Accountant
• Minimum 8 - 10 Years

Dubai Islamic Bank