Usage and Loyalty Manager, Credit Cards - Retail Banking

Job description / Role

Usage and Loyalty Manager, Credit Cards - Retail Banking

Purpose: Manage performance of existing products and clients whilst conducting extensive numerical analysis in order to identify and present innovative and creative loan product solutions.

Key Roles and Responsibilities

Portfolio Management:
* Manage the Credit Card portfolio for the Middle East
* Manage the loan products platform
* Identify and present innovative and creative loan product solutions
* Manage cross functional teams and processes to ensure optimal loan bookings
* Develop relationships with external stakeholders to ensure optimal loan bookings

Portfolio Performance Management:
* Identify business and operational requirements based upon the business requirements & objectives
* Coordinate and build strong working relations with various internal stakeholders including credit risk; sales; marketing; operations; compliance; service quality; operational risk; all frontline staff; retail product teams
* Lead the development, approval, training, and communication of new portfolio programs and their associated customer, operational, system, & process impacts to the various internal organizations
* Oversight and liaison with credit risk on credit policy and acquisition strategy
* Develop & conduct specialized training on new portfolio programs launched and raise awareness & application of relevant subject matter. Additionally, refresher trainings to ensure the programs are understood by all stakeholders
* Monitor internal processes for efficiency and validity pre & post launch/changes
* Provide support and represent Credit Cards for other departmental projects when required
* To meet/exceed and maintain service levels
* Represent Credit Cards team in stakeholder meetings whilst keeping the interest of the Credit Card business at the forefront
* Cost accruals, invoicing and billing
* Develop a marketing strategy with the marketing team to ensure objectives and interests of the Credit Card team are met
* Continually reviewing existing portfolio programs, processes and sales channels to ensure SCB Credit Cards are aligned to our desired target segments
* Monitoring of the local competition and overseas markets to ensure product parity and opportunities and threats are identified
* Accurate and timely budgeting and forecasting
* Manage various administrative tasks of the department

Compliance and Control:
* Ensure that the Portfolio operates within Bank Operational risk parameters including product audits and compliance
* Adhere to internal and external regulations
* Uphold Standard Chartered values

Qualifications and Skills

Requirements

* Excellent communication skills (verbal and written)
* Advanced spreadsheet and numerical analysis skills
* Ability to write and deliver training courses and materials
* Ability to exercise tact and good interpersonal skills
* Project management, Analytical, Time management, Problem solving skills
* Ability to be pro-active with a sense of urgency and a proven team player
* Ability to read, understand and communicate technical documentation with a flexible approach to work practices

Functional:
* Sound understanding and experience of Credit Card product/portfolio management, sales, marketing, regulatory requirements, process re-engineering and credit risk management
* Strong knowledge of the Retail Banking environment
* Exposure to marketing strategy development
* Tertiary qualification in a related discipline

About the Company

Standard Chartered Bank started in 1958 in UAE with its first branch in Sharjah. The Group’s business gradually increased in Dubai with the opening of several branches and today, Dubai is the administrative hub of the Middle East and South Asia Region. In its 43rd year, the Bank enjoys the position of having the most extensive branch network among foreign international banks in UAE with 10 branches emirate-wide.

Standard Chartered is an international bank, focused on the established and emerging markets of Asia, Africa, the Middle East and Latin America with an extensive global network of more than 600 offices in over 50 countries. The three principal business groups are Global Markets, Personal Banking and Corporate and Institutional Banking.

In UAE, we are one of the leading banks, offering an extensive range of products and services for personal customers, local companies, multinational corporate and financial institutions.