Company Description

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:

• To support the Cards Business in managing the Cards Portfolio effectively and to deliver planned revenues, through organic and inorganic ENR Management.
• Effectively design the card activation, card usage and retention startegy and monitor the same on ongoing basis.

Budgeting and forecasting on regular basis so as to plan for the future.

RESPONSIBILITIES:

• Responsible for planning & implementation of the portfolio management strategy
• Work out with detailed plan on areas like Book Building, Spend Enhancement, and Activation & Retention.
• Responsible for managing the output of Tele calling Channel which is involved in areas like Activation, Retention & Book Building.
• Responsible for development of new products/services/pricing to drive value to the customer.
• Works on specific strategic projects that help maintain the competitiveness of products like the loyalty software system and other technology developments in the future.
• Ensures relevant and timely MIS is available to provide insights into all campaigns conducted and the effect of the same on the portfolio.
• Develops new programs to promote spend / revolving behaviour and loyalty of the card members by innovative use of the reward points program.
• Monitor different customer segments across card types, vintage, demographic and behaviour; create marketing programs to increase participation and utilization of credit card.
• Liase with Sales and Retention unit to develop Activation Programs to enhance activation rates and reduce dormancy
• Review MIS related to cards portfolio in terms of usage, spend, activation, retention, revolve rate. Instalment balances etc. and identify the key drivers and recommend remedial measure to counter the effect.
• Drive on-going process improvement, reducing errors, rework, cycle time and cost
• Prepare Business case for new development - for approval of management and payment organization.
• Liaise with Vendors/ ITD/ Other Depts. for resolving /enhancement of product/service related matters.

Qualifications

Education:

• University degree

Skills & Experience:

• Excellent analytical skills to be able to track program effectiveness, portfolio trends and identify weaknesses / opportunities.
• Excellent understanding of Cards financial drivers and revenue generators
• Excellent communication skills
• Excellent knowledge and experience of Credit Card Business & Operations
• Knowledge and experience in Product Development and marketing in general
• Strong Influencing skills
• Driving results and change skills
• Self starter

First Abu Dhabi Bank