Senior Manager, Debit Cards & Partnerships (UAE National)

Job description / Role

About CBD

Operating in the UAE for over 50 years, CBD manages the financial requirements of some of the largest corporates and businesses operating in the country, driving the UAE economy. Over the years, CBD has transformed into a progressive and modern banking institution winning multiple awards for its digital initiatives, credit cards, bank accounts, mobile app features, and services.

CBD has been recognized as the number one bank in the UAE on the Forbes list of The World's Best Banks 2022.

As we continue to build upon our successes, we are looking for ambitious individuals who are passionate about the banking and finance industry and the markets in which CBD operates. Just as important to us is your ability to demonstrate a talent for dealing with people - your colleagues and our customers and delivering service that really goes the extra mile.

Job Purpose

You will be responsible for managing the debit cards business in order to grow the overall cards product profitability.

Principal Accountabilities

Strategy & Value Proposition

• Plan and execute strategies to ensure the debit card product performance is in line with the overall cards and payments business objectives.
• Execute strategic initiatives to drive activation of new cards, card spends, and portfolio activities to drive market growth and overall product profitability.
• Research card segments, develop campaigns with focus on market relevance and product profitability.
• Develop and manage product value proposition and partnership enhancements to grow card usage and enhance card profitability.
• Safeguard the bank's interest and reputation through robust controls while driving the commercial benefits in line with the overall business strategy.
• Keep the card members engaged through regular customer communication and offers to ensure the CBD card remains as the top of the wallet card.
• Timely tracking and analysis of marketing campaigns to ensure results are on track and identify areas to improve marketing efficiencies.
• Maintain and adhere to a marketing campaign to drive engagement and spends.
• Manage administrative and operational issues including system and customer feedback.
• Provide oversight and problem resolution across a range of support functions including but not limited to Operations, RMs, and Customer Service.
• Work under pressure, ability to structure and synthesize business issues rapidly, coordination and influence a diverse suite of stakeholders.
• Liaise with internal stakeholders and resolve any discrepancy in a timely manner.
• Deliver month-on-month growth in the product performance metrics including new card activation.
• Work with different business units, internal stakeholders, and external vendors to manage and implement key initiatives.

Relationship Management

• Maintain cordial professional relationships with the RMs.
• Manifest self as a problem solver.
• Work hand in glove to grow business originating from the RMs and the sales team.
• Be the front face of the product with the cross-functional stakeholders.

MIS

• Develop and maintain appropriate MIS to keep an eye on daily business movement.
• Timely correctional activity to be initiated in case of anomaly in the overall quality of business.
• Track any complaints or requests originating from the product.

Customer Experience

• Provide exemplary customer experience to external and internal customers.
• Resolve any issues on priority in order to ensure a positive experience.

Requirements

Education and Experience

• Minimum bachelor's degree.
• Minimum 3 years in a relationship management role.
• Understanding of banking practices.
• Good knowledge of market practices.
• Customer centricity is key.
• Cards business knowledge.

About the Company

In 1969, when we at Commercial Bank of Dubai started out little did we know that sheer grit and determination would get us where we are today. An Emiri Decree issued by His Highness the Late Sheikh Rashid Bin Saeed Al Maktoum, the founder of modern Dubai, laid the cornerstone of Commercial Bank of Dubai. We started out as a joint venture of Commerzbank, Chase Manhattan Bank and Commercial Bank of Kuwait. A minority stake was held by a few UAE businessmen.

By 1982, little more than a decade later, we evolved into a National Public Shareholding company. A feat complimented by an exponential increase in the capital base and mammoth restructuring of our operations. The feather in the cap came when the Government of Dubai became a key shareholder.

Over the decades, we have transformed ourselves into a progressive and modern banking institution. We are supported by a sturdy financial base and reigned by a strong and stable management. The proof of which lies with our customers who have stood by us over the years.