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What You’ll Be Doing:

Portfolio Growth & Engagement Strategy

Define and execute lifecycle strategies across activation, engagement, retention, and reactivation.
Drive spend campaigns, gamification initiatives, and cross-sell strategies using data-driven insights.
Optimize payment plans (EPP), limit management (CLI/CLD), and rewards programs.
Analyze customer behavior, market trends, and competition to unlock new growth opportunities.Financial Performance & Profitability

Own key growth metrics including transaction volumes, revolving balances, and portfolio profitability.
Monitor campaign ROI, customer lifetime value, and revenue contribution.
Optimize spend allocation across segments through close collaboration with analytics and finance.
Strengthen merchant partnerships to drive incremental value and revenue.Customer Lifecycle & Experience

Ensure seamless engagement across the full customer lifecycle—from onboarding to retention.
Enhance customer experience through personalized campaigns, rewards, and loyalty programs.
Leverage customer feedback and insights to improve engagement strategies and satisfaction.
Address customer pain points to drive retention and long-term value.Digital Enablement & Innovation

Partner with digital teams to embed gamification, analytics, and interactive experiences into journeys.
Drive continuous improvement in campaign targeting, measurement, and channel optimization.
Support system enhancements and digital migration of customer servicing journeys.Stakeholder Management & Leadership

Collaborate with cross-functional teams including Marketing, Risk, Credit, Technology, and Operations.
Influence senior stakeholders and contribute to strategic decisions across the Cards business.
Build and lead a high-performing Growth & Engagement team within a matrix environment.Governance, Risk & Compliance

Ensure adherence to regulatory requirements including Central Bank guidelines, KYC/AML, and data privacy.
Maintain strong controls, audit readiness, and risk mitigation across campaigns and partnerships.
Manage fraud, operational, and compliance risks associated with portfolio activities.

What We’re Looking For:

Education:
Bachelor’s degree required, with preference for candidates holding an MBA or equivalent postgraduate qualification.

Experience:

12+ years of experience in cards portfolio management within retail banking.
Minimum 5 years’ experience within the UAE market.Industry Exposure:

Strong expertise in cards portfolio strategy, lifecycle management, and customer engagement.
Deep understanding of retail banking, digital channels, and loyalty/rewards ecosystems.

What’s In It For You:

Competitive, performance-linked compensation.
Medical coverage for you and your family.
Comprehensive life insurance.
Opportunity to drive growth across a high-impact cards portfolio.
Exposure to data-driven, digital-first transformation initiatives.
Collaborative, performance-driven culture focused on innovation and results.

Skills:

Commercial Acumen: Strong understanding of portfolio profitability, pricing, and growth levers.
Analytical Capability: Expertise in customer analytics, segmentation, and campaign optimization.
Customer Focus: Deep understanding of lifecycle management and engagement strategies.
Digital & Innovation: Experience with digital marketing, gamification, and platform integration.
Leadership & Influence: Proven ability to lead cross-functional teams and influence senior stakeholders.

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AI Lab / Center of Excellence Consultant - 6 months - On site - Octopus by RTG — Position Closed

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AI Lab / Center of Excellence Consultant - 6 months - On site - Octopus by RTG — Position Closed

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