credit card specialist

PayTech Group

<p><br></p>
<p> <strong>RELEVANT </strong> <strong>EXPERIENCE:</strong> 12 years in Cards Product and Portfolio Management</p>
<p> <strong>MANDATORY REQUIREMENTS**:</strong> </p>
<ul> <li>English and Arabic language proficiency (preferred)</li> <li>Local experience in the UAE banking market</li> <li>Cards product management and project management experience</li> </ul>
<p> <strong> <br> </strong> </p>
<p> <strong>PURPOSE OF THE PROJECT</strong> </p>
<p>The Cards Product Specialist will support in launching credit and debit cards, focusing on profit and growth for cards, including revenue, credit costs, and direct/allocated costs. The role involves product management for cards, audits, compliance matters, and complaints support. The specialist will guide and support in executing strategies aimed at generating revenue through products in alignment with consumer banking strategy, with a focus on the whole of bank value which is not limited to card launches and ongoing product management</p>
<p> <strong> <br> </strong> </p>
<p> <strong>Key Activities</strong> </p>
<p> <strong>Core Responsibilities and Accountabilities</strong> </p>
<ul> <li>Launch new products and manage the end-to-end process of product development, from conceptualization to market introduction</li> <li>Guide and support in executing strategies aimed at generating revenue through products in alignment with consumer banking strategy</li> <li>Support the commercialization of new products and launch of new products and solutions, by recommending pricing, providing sales tools, and training the sales team to ensure knowledge transfer resulting in successful sales in partnership with acquisitions</li> <li>Manage product management for cards, audit, compliance matters, and complaints support</li> <li>Provide guidance and support to client-facing professionals and sales teams to solve complex client needs through products</li> <li>Support monitoring of product performance post roll-out and help resolve product or sales issues to ensure continuous product improvement</li> <li>Support in delivery of large programs for clients from initiation to benefit realization including to Portfolio Management</li> </ul>
<p> <strong> <br> </strong> </p>
<p> <strong>KPIs</strong> </p>
<ul> <li>GDV and Revenue growth from card products</li> <li>Number of successful card launches and time to market</li> <li>Reduction in credit costs and fraud</li> <li>Successful execution of marketing campaigns</li> <li>Customer satisfaction and superior customer experience</li> <li>Timely and effective product roll-out and commercialization</li> </ul>
<p> <strong> <br> </strong> </p>
<p> <strong>Knowledge and Experience</strong> </p>
<ul> <li>Bachelors degree in a relevant field (e.g., Computer Science, Engineering, Management, or Business)</li> <li>Experience in cards product management, project management, and coordination between different functions</li> <li>Strong knowledge of consumer banking and card products</li> <li>Understanding audit, compliance matters, and complaints support</li> <li>Ability to execute marketing campaigns and develop end-to-end solutions</li> <li>Experience in training internal stakeholders and performing competitive benchmarking</li> </ul>

Card Product Specialist

First Abu Dhabi Bank (FA...

<div><span style="font-size: 11px;"><b>Company Description</b></span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">FAB, the UAE's largest bank and one of the world's most secure financial institutions, is dedicated to creating value for its employees, customers, shareholders, and communities.</span></div><div><span style="font-size: 11px;">Through innovation, agility, and differentiation, FAB is committed to fostering growth.</span></div><div><span style="font-size: 11px;">We are looking for top talent and your success is our success.</span></div><div><span style="font-size: 11px;">Accelerate your growth as you help us reach our goals and advance your career.</span></div><div><span style="font-size: 11px;">Be ready to make your mark at a top company, in an exciting and dynamic industry.</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;"><b>Job Description</b></span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">Generic Accountability / Core Responsibilities</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">Customer Engagement:</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">Increase card spending and make FAB the primary bank of choice.</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">Increase product holding and promote digital adoption.</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">Drive member satisfaction, improved customer retention, and NPS.</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">Drive program awareness and redemptions through seasonal offers and campaigns.</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">Establish best-in-market presence through ongoing marketing calendar driving acquisition and brand awareness.</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;"><b>Program Management:</b></span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">Lead the strategic roadmap for FAB Rewards enterprise-wide program, cashback, co-brand loyalty propositions.</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">Manage the program parameters and business rules including points accumulation logic, accrual rules, and partner redemption rates for each customer segment.</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">Monitor program CVP and drive revenue and cost-save initiatives contributing to product P&amp;Ls.</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">Engage with digital to offer state-of-the-art user interface with enhancements to the customer experience.</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">Manage vendor interactions and relationships for technical stack delivery, commitment to contractual obligations, invoicing and payments, SLAs, and ongoing developments to the program.</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">Manage the channels member experience, lifecycle communication, digital messaging, and user redemption journeys on FAB Mobile and Internet Banking.</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">Engage with Magnati to ensure seamless redemption at FAB POS network and establish synergies of leveraging FAB's position as an acquirer.</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">Deliver on Elite strategy and brand to build a unique Rewards experience.</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">Collaborate with IT and Operations to ensure day-to-day operations and functioning of the platform.</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">Specific Accountability</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">Revenue growth from Redeemers vs Non-Redeemers.</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">Increased product holding.</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">Uplift in credit and debit card spending.</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">Increased digital channel interactions through remittances and standing instructions.</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">Increased app downloads and mobile active database.</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">Increased customer satisfaction from the program.</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;"><b>Qualifications</b></span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;"><b>Minimum Qualification:</b></span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">Master’s degree in business administration, finance, banking, or a related major field of study.</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">Minimum Experience:</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">Minimum of 10 years of experience in product/business function in consumer banking.</span></div>

AVP- Co-Brands- Credit Cards

CNH Industrial

<div>Job ID: 3117<br>
Location: Fully On-Site, Gurgaon, Haryana, IN<br>
Job Family: Financial Services<br>
Job Type: Permanent<br>
Employment Type: Full Time</div>
<br><div><div><div><div><div><b>About Us</b></div>
</div><div><p>Innovation. Sustainability. Productivity. This is how we are Breaking New Ground in our mission to sustainably advance the noble work of farmers and builders everywhere. With a growing global population and increased demands on resources, our products are instrumental to feeding and sheltering the world.</p>
<p>From developing products that run on alternative power to productivity-enhancing precision tech, we are delivering solutions that benefit people &ndash; and they are possible thanks to people like you. If the opportunity to build your skills as part of a collaborative, global team excites you, you&rsquo;re in the right place.</p>
<p><b>Grow a Career. Build a Future!</b></p>
<p>Be part of this company at the forefront of agriculture and construction, that passionately innovates to drive customer efficiency and success. And we know innovation can&rsquo;t happen without collaboration. So, everything we do at CNH Industrial is about reaching new heights as one team, always delivering for the good of our customers.</p>
</div></div><div><div><div><b>Job Purpose</b></div>
</div><div><p>This role is embedded within a multi-disciplinary team providing a coordinated approach to credit analysis, reporting &amp; credit application decisioning for the APAC financial services. This role will assess the wholesale and off-book risk and credit exposure of FS managed portfolio for many markets of APAC. The person in the role will work closely with senior management teams across Capital and Brand. Also, responsible for handling projects and issues related to wholesale credit systems for entire APAC region. This role will ensure credit quality and integrity is maintained across all credit submissions in line with all wholesale credit underwriting principles, policies &amp; compliance procedures.</p>
</div></div><div><div><div><b>Key Responsibilities</b></div>
</div><div><div><div><div><div><div><ul><li>Responsible for wholesale credit underwriting for dealers, distributors, and direct customers for APAC market</li>
<li>Financial statement analysis of customers and assess overall credit worthiness and identify underlying credit risk</li>
<li>Formulate, implement and update credit risk policies &amp; guideline in line ensuring the same is aligned to industry standards and regulatory requirements</li>
<li>Understand country specific policies, procedures, regulations, and compliances</li>
<li>Communicate policy changes to the relevant stake holders and provide training as needed</li>
<li>Monitor and analyze portfolio performance, identifying stress segments and early warning signals</li>
<li>Administer and manage all credit risk management initiatives in the organization</li>
<li>Facilitates the development of risk mitigation strategies for the company critical risks and for monitoring these risks.</li>
<li>Stakeholder management &ndash; coordinate with Capital and brand teams to ensure the effective credit risk management.</li>
<li>Conduct client/dealer visits and monitor the financial status and credibility of strategic clients/dealers.</li>
<li>Liaison with business team on introduction of new financing products in line with market/competition practices.</li>
<li>Support risk management team in introduction/renewal/modification in credit models, early warning indicators, and system development &amp; enhancements.</li></ul><br>
</div></div><br>
</div></div></div></div></div><p></p><div><div><div><b>Experience Required</b></div>
</div><div><div><div><div><div><div><ul><li>5-8 years of relevant experience in large muti-national banks and captive finance companies</li>
<li>Strong understanding of credit underwriting, risk management, and related processes.</li>
<li>Excellent communication skills and ability to clearly communicate with various stakeholders.</li>
<li>Exposure to Captive finance especially in Agriculture and Construction segments would be a plus.</li>
<li>Demonstrated analytical and report writing skills</li>
<li>Demonstrated effective influencing &amp; negotiation skills</li>
<li>Demonstrated effective time management &amp; computer skills</li>
<li>Strong relationship management skills</li></ul><br>
</div></div><br>
</div></div></div></div></div><p></p><div><div><div><b>Preferred Qualifications</b></div>
</div><div><p>Graduate/Post-Graduate</p>
</div></div><div><div><div><b>What We Offer</b></div>
</div><div><p>We offer dynamic career opportunities across an international landscape. As an equal opportunity employer, we are committed to delivering value for all our employees and fostering a culture of respect.</p>
<p>At CNH, we understand that the best solutions come from the diverse experiences and skills of our people. Here, you will be empowered to grow your career, to follow your passion, and help build a better future. To support our employees, we offer regional comprehensive benefits, including:</p>
<ul><li><i>Flexible work arrangements</i></li>
<li><i>Savings &amp; Retirement benefits</i></li>
<li><i>Tuition reimbursement</i></li>
<li><i>Parental leave</i></li>
<li><i>Adoption assistance</i></li>
<li><i>Fertility &amp; Family building support</i></li>
<li><i>Employee Assistance Programs</i></li>
<li><i>Charitable contribution matching and Volunteer Time Off</i></li></ul></div></div></div></div>

APAC Credit Specialist- Wholesale

FinHub Financing Broker

<p>We are looking for self-motivated and result-oriented Banking Sales Executives to join our dynamic team.</p><p><b>REQUIREMENTS:</b></p><p>- Sales personnel preferably with at least 1 year banking experience within UAE (direct sales of Personal Loans and Credit Cards). Banking experience from home country may also be considered.</p><p>- Candidate should be target-oriented/self-driven and have an excellent selling skills and strong personality.</p><p>- Proven track record of successfully meeting a sales quota</p><p>- Ability to work under pressure in a team as well as independently</p><p>-With excellent communication and negotiation skills</p><p>- Bachelor's degree or equivalate certificates</p><p>- Must be available in UAE to join immediately</p><p><b>SALARY: </b>AED 3,000.00 - AED 5,000.00 depending on experience plus incentives</p><p><b>RESPONSIBLITIES:</b></p><p>- Achieve and exceed sales targets every month.</p><p>- Build &amp; maintain strong &amp; long-lasting customer relationships &amp; identify further sales &amp; business development opportunities</p><p>Contact Person: Kashif /Minerva</p><p>Job Type: Full-time</p><p>Pay: AED3,000.00 - AED5,000.00 per month</p><p>Education:</p><ul><li>Bachelor's (Preferred)</li></ul><p>Experience:</p><ul><li>BANKING (Personal Loan/Credit Cards): 2 years (Preferred)</li></ul>

Sales Representative - Credit Cards

<p><strong>Core Responsibilities and Accountabilities:</strong></p>
<ul>
<li>Lead the acquisition and development of commercial card and virtual payment solutions for corporate clients in KSA market</li>
<li>Manage and mentor sales and implementation teams, ensuring operational efficiency and process optimization.</li>
<li>Develop and execute strategies for market expansion and client acquisition across key regions of KSA</li>
<li>Build and maintain strategic partnerships with banks, fintechs, travel agencies, and corporate clients.</li>
<li>Deliver exceptional results through strong client relationships and tailored solutions</li>
<li>Represent the company at major industry exhibitions and trade shows</li>
</ul>
<p><strong>Knowledge and Experience:</strong></p>
<ul>
<li>10 -12 years of experience in corporate card or corporate solution sales role</li>
<li>The ability to drive fintech and ecosystem partnerships</li>
<li>Experience managing high-value portfolios and leading cross-functional teams</li>
<li>Competent and adept with AI business strategy, team leadership, business development, client acquisition, market expansion, project management, and process optimisation</li>
<li>Proficiency in MS Office, ERP solutions, and high-tech systems</li>
</ul>
<p><strong>Mandatory Skills:</strong></p>
<ul>
<li>A strategic thinker with a growth mindset including previous experience within the KSA</li>
<li>Excellent relationship management and negotiation skills</li>
<li>The ability to drive innovation and deliver measurable outcomes in competitive environment</li>
<li>Strong communication skills in Arabic and English</li>
</ul>
<p><strong>Preferred Skills:</strong></p>
<ul>
<li>Previous experience in leading local banks in KSA, payment companies, or travel technology companies</li>
<li>Experience in managing regional operations and strategic accounts</li>
<li>Exposure to global markets and collaboration with international teams</li>
</ul>

Sales Specialist - Corporate Cards

<p>Responsible for planning &amp; implementation of the Card Products management strategy.</p><p>Collaborate with the FAB Cards Team and hold responsibility to deliver on the cards annual plan and KPIs, such as net account growth, spend targets, activation rates, attrition &amp; retention, risk &amp; operational costs and revenues.</p><p>Responsible for development of new products and services to drive value to the customer.</p><p>Work on projects to retain and improve the competitive edge of FAB cards .</p><p>Ensure relevant and timely MIS is available to measure what matters and provide insights into products and campaigns performance.</p><p>Develop and execute marketing campaigns to drive product growth, in collaboration with the Marketing team and in conjunction with the Portfolio and Acquisitions verticals.</p><p>Liaise with Sales Teams to ensure they are up to date with the products  features and benefits and provide them with the tools (e.g. comp scans, cashback calculators etc.) to help them pitch the right product to relevant target audiences.</p><p>Liaise with other customer facing teams (e.g. Customer Service) to ensure they provide an exceptional experience to cardholders.</p><p>Collaborate with the FAB cards team to identify gaps and opportunities and build business cases for product / features improvements to address customers  changing needs and stay ahead of the competition.</p><p>Liaise with Vendors / IT/ Other Depts. for resolving /enhancement of product / service related matters.</p>

AVP- Credit Cards Product

<p> <strong>JOB TITLE:</strong> Head of Credit / Lending</p>
<p> <strong>TERM:</strong> 12 months </p>
<p> <strong>CLIENT LOCATION:</strong> Dubai, UAE</p>
<p> <strong>DIVISION: </strong>Consumer </p>
<p> <strong>REPORTS TO:</strong> Group CEO</p>
<p> <strong>RELEVANT </strong> <strong>EXPERIENCE:</strong> Minimum 15 years in retail banking, with 8+ years of credit card business leadership. Proven success in launching and scaling card portfolios in the Middle East.</p>
<p> <strong>MANDATORY REQUIREMENTS**:</strong> </p>
<ul> <li> Deep expertise in credit card product lifecycle management</li> <li>Experience launching standalone or co- branded card programmes</li> <li>Familiarity with GCC regulatory frameworks (e.g. UAE Central Bank)</li> <li>Strong leadership and stakeholder management skills</li> <li>Fluent in English; Arabic is a plus</li> </ul>
<p> <strong> <br> </strong> </p>
<p> <strong>PURPOSE OF THE PROJECT</strong> </p>
<p>To lead the strategic setup and operational launch of a new, independent credit card business. The role will define the product vision, build and lead the team, ensure regulatory compliance, and drive market penetration and profitability.</p>
<p> <strong> <br> </strong> </p>
<p> <strong>Key Activities</strong> </p>
<p> <strong>Core Responsibilities and Accountabilities</strong> </p>
<ul> <li> Strategic Leadership: Shape the credit card business model, aligning with the banks broader retail strategy and segment-specific goals (mass, affluent, SME).</li> <li>Product Development: Design and launch a suite of credit card products with differentiated value propositions, including digital-first and premium offerings.</li> <li>Risk &amp; Compliance: Establish robust credit risk frameworks, underwriting policies, and ensure adherence to local and international regulations.</li> <li>P&amp;L Ownership: Manage the full P&amp;L of the credit card business, including revenue, cost, and profitability levers.</li> <li>Team Building: Recruit, structure, and mentor a high-performing team across product, analytics, operations, and sales.</li> <li>Stakeholder Engagement: Collaborate with internal and external stakeholders including regulators, fintechs, payment networks, and loyalty partners.</li> <li>Innovation &amp; Digitalisation: Leverage AI/ML tools for credit scoring, fraud detection, and personalised offers. Drive digital onboarding and omnichannel customer experiences.</li> <li>Regional Coordination: Align with regional hubs and support regional product innovation and compliance.</li> <li>Vendor &amp; Partner Management: Oversee selection and integration of processing platforms, loyalty engines, and collections partners etc</li> </ul>
<p> <strong> <br> </strong> </p>
<p> <strong>KPIs</strong> </p>
<ul> <li> Time-to-market for product launch</li> <li>Customer acquisition and activation rates</li> <li>Portfolio profitability (NIM, fee income, cost of risk)</li> <li>Credit loss ratios and delinquency metrics</li> <li>Digital origination and usage rates</li> <li>Customer satisfaction and NPS</li> </ul>
<p> <strong> <br> </strong> </p>
<p> <strong>Knowledge and Experience</strong> </p>
<ul> <li> 15years + in Cards Management with 8years + in a Head Of/EVP level</li> <li>Education: Bachelor's degree in finance, Economics, Business, or related field. A Masters degree (e.g., MBA or MSc in Finance) is highly preferred</li> <li>End-to-End Cards Expertise: Proven experience managing the full lifecycle of card products credit, and virtual including issuing and acquiring businesses.</li> <li>Strategic Market Insight: Deep understanding of regional and global cards market trends, including competitor analysis, pricing strategies, and product positioning</li> <li>Digital Channel Integration: Demonstrated ability to leverage digital platforms (e.g. mobile banking, internet banking, e-wallets) to drive card acquisition, activation, and usage</li> <li>E-commerce &amp; Omni-Channel Fluency: Strong grasp of e-commerce ecosystems and omni-channel strategies to enhance customer experience and card penetration</li> <li>Product Innovation &amp; Development: Track record of launching differentiated card products and value propositions tailored to mass, affluent, and SME segments.</li> <li>Risk &amp; Compliance Acumen: Familiarity with credit risk frameworks, fraud prevention, and regulatory compliance across GCC jurisdictions.</li> <li>P&amp;L Ownership: Experience managing the cards business P&amp;L, including budgeting, forecasting, and profitability optimisation.</li> <li>Customer Lifecycle Management: Expertise in designing and executing activation, usage, rewards, and retention programmes to boost engagement and reduce churn.</li> <li>Cross-Functional Leadership: Ability to collaborate with IT, operations, marketing, and third-party vendors to deliver seamless card experiences.</li> </ul>
<p> <strong> <br> </strong> </p>
<p> <strong>Mandatory Skills**</strong> </p>
<ul> <li> Strategic planning and execution</li> <li>Product innovation and lifecycle management</li> <li>Credit risk and portfolio analytics</li> <li>Regulatory compliance and governance</li> <li>Cross-functional leadership and communication</li> <li>Agile project delivery and digital transformation</li> </ul>

Head of Cards- Credit/Lending

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