Manager - Portfolio & Business Performance.RBG - Emirati Central.Retail Banking Group

• Portfolio Management

• Manage end to end customer migration within Emirati segments

• Monitor Portfolio Growth, attrition, profitability and customer mix

• Identify opportunities to improve portfolio quality and business returns.

• Support portfolio allocation and segmentation strategies

• Strategic Portfolio Ownership

• Develop and drive portfolio growth strategy across Emirati segments aligned with bank objectives.

• Lead portfolio optimization initiatives to maximize profitability, customer lifetime value, and risk-adjusted returns.

• Define short and long-term portfolio targets and monitor achievement against strategic plans.

• Financial & Commercial Impact

• Own portfolio P&L monitoring and recommend corrective actions to achieve budget targets.

• Identify revenue enhancement opportunities and cost optimization initiatives resulting in measurable business impact.

• Lead business case development for new propositions, campaigns, and portfolio initiatives

• Customer Proposition & Product Governance

• Design and enhance value propositions for Emirati customer segments.

• Partner with Product, Analytics, Risk, and Distribution teams to implement portfolio strategies.

• Drive customer migration and lifecycle management initiatives to improve engagement and retention

• Business Planning

• Assist annual and quarterly planning processes

• Performance & Reporting

• Assist segment in efficient sales model, define KPIs , establish key deliverables and formulate tracking process.

• Develop and implement sales management tools and Periodic circulation of RM/Team Performance reports

• Work with product managers and support in analytics and implementation of the process

• Implementing the performance management process and Root cause analysis of low performers using analysis, tracking performance improvements plans with AM for respective individual and monitoring.

• Translate data into actionable insights for executive decision-making

• Incentive Scheme Management

• End to end management of the Incentive scheme policy, implementation and ensuring to timely release of staff incentives

• Head count Management

Keep track of Planned and Actual Head count