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zakaas

<div>
 💼&nbsp;
 
 Job Title: Sales Manager &mdash; Business Loans &amp; SME Financing
 
 
 
 Company:
 
 &nbsp;Zakaas Fintech FZCO | Dubai, UAE
 
 
 
 Industry:
 
 &nbsp;Fintech &bull; SME Lending &bull; Invoice Finance &bull; Trade Finance
 
 
 
 Location:
 
 &nbsp;Dubai (Hybrid/On-site)
 
 🚀&nbsp;
 
 About Zakaas
 
 
 Zakaas Fintech FZCO is a next-generation fintech and consulting platform enabling SMEs and corporations in the UAE to access fast, compliant, and structured financing solutions. Our products include&nbsp;
 
 Business Loans, SME Working Capital
 
 ,&nbsp;
 
 Invoice Financing
 
 ,&nbsp;
 
 Trade Finance
 
 , and&nbsp;
 
 Supplier Finance
 
 , delivered through our digital ecosystem:
 
 
 🔹 InvoiceFinance.ae
 
 
 🔹 TradeFinance.io
 
 
 🔹 Zakaas.com
 
 
 We work closely with banks, financial institutions, private lenders, and corporates to structure financing that accelerates business growth.
 
 🎯&nbsp;
 
 Role Overview
 
 
 We are seeking a strong&nbsp;
 
 Sales Manager (Business Loans &amp; SME Finance)
 
 &nbsp;with banking experience to lead new client acquisition and manage SME lending opportunities. The ideal candidate is a banker with a proven track record in&nbsp;
 
 Business Loans
 
 ,&nbsp;
 
 SME Finance
 
 ,&nbsp;
 
 Overdraft Facilities
 
 ,&nbsp;
 
 Working Capital
 
 ,&nbsp;
 
 Invoice/Receivable Financing
 
 , or&nbsp;
 
 Trade Finance
 
 .
 
 
 You will be responsible for generating new leads, onboarding clients, structuring loan requirements, and coordinating with our partner banks and internal financing team.
 
 🔑&nbsp;
 
 Key Responsibilities
 
 <ul>
 <li>
 Acquire and onboard SMEs seeking&nbsp;
 
 Business Loans, Working Capital, Invoice Finance, or LC/Trade Finance facilities
 
 .
 </li>
 <li>
 Build relationships with business owners, CFOs, and finance teams across the UAE.
 </li>
 <li>
 Understand client financials, bank statements, trade profiles, and funding requirements.
 </li>
 <li>
 Structure loan cases and submit them to internal credit and partner banks.
 </li>
 <li>
 Achieve monthly disbursement and revenue targets.
 </li>
 <li>
 Manage the end-to-end sales pipeline from lead generation to closing.
 </li>
 <li>
 Develop referral networks (auditors, consultants, accountants, brokers).
 </li>
 <li>
 Educate clients on Zakaas financing products and digital onboarding process.
 </li>
 <li>
 Maintain accurate CRM records and update pipeline status daily.
 </li>
 <li>
 Ensure compliance, documentation, and KYC requirements are met.
 </li>
 </ul>
 🧠&nbsp;
 
 Required Experience
 
 <ul>
 <li>
 Minimum&nbsp;
 
 3&ndash;7 years
 
 &nbsp;UAE banking experience in:
 </li>
 <li>
 ✔ SME Lending
 </li>
 <li>
 ✔ Business Loans
 </li>
 <li>
 ✔ Working Capital
 </li>
 <li>
 ✔ Invoice Finance
 </li>
 <li>
 ✔ Trade Finance / LC Discounting
 </li>
 <li>
 Strong UAE market knowledge (SME segments, industries, documentation, compliance).
 </li>
 <li>
 Good understanding of risk, credit policies, and lending requirements.
 </li>
 <li>
 Existing SME client database is a strong advantage.
 </li>
 <li>
 Experience in cross-selling financial products.
 </li>
 </ul>
 💡&nbsp;
 
 Skills Needed
 
 <ul>
 <li>
 Excellent communication &amp; relationship-building skills
 </li>
 <li>
 Strong financial understanding (P&amp;L, bank statements, cashflow)
 </li>
 <li>
 Problem solving &amp; deal structuring
 </li>
 <li>
 Target-driven, motivated to close deals
 </li>
 <li>
 CRM usage and pipeline management
 </li>
 <li>
 Ability to work independently and as part of a growing fintech team
 </li>
 </ul>
 🎁&nbsp;
 
 What We Offer
 
 <ul>
 <li>
 Attractive&nbsp;
 
 salary + commissions
 
 </li>
 <li>
 
 High monthly earning potential through disbursement incentives
 
 </li>
 <li>
 
 Warm leads from our digital platforms (InvoiceFinance.ae / TradeFinance.io)
 
 </li>
 <li>
 
 Modern, fast-growth fintech environment
 
 </li>
 <li>
 
 Career progression into&nbsp;Senior Sales Manager / Sales Head
 
 &nbsp;roles
 </li>
 <li>
 Training on product, credit, compliance, and deal structuring
 </li>
 </ul>
 📩&nbsp;
 
 How to Apply
 
 
 Send your CV to:&nbsp;
 
 hello@zakaas.com
 
 
 
 
 
 <ul>
 <li>
 
 Subject:&nbsp;
 
 
 Sales Manager &ndash; Business Loans &amp; SME Finance
 
 </li>
 </ul>
</div>

Sales Manager

Genius HRTech Limited

<div>
 
 We are seeking an experienced
 
 Trade Finance Specialist
 
 to join one of the most renowned chemical distribution companies in the Middle East. The successful candidate will be responsible for managing
 
 end-to-end trade finance operations
 
 , ensuring smooth execution, compliance, and cost efficiency across all trade-related transactions.
 
 
 
 
 
 Location - Dubai
 
 
 Key Responsibilities
 
 
 
 Trade Finance Operations
 
 
 <ul>
 <li>
 Prepare, review, and submit documentation for opening
 
 LCs, SBLCs, and TRs
 
 in line with company policies and banking requirements.
 </li>
 <li>
 Monitor the lifecycle of
 
 LCs/TRs
 
 , including amendments, acceptances, and settlements.
 </li>
 <li>
 Ensure all trade finance transactions comply with
 
 UCP, ISBP
 
 , and other relevant international trade guidelines.
 </li>
 <li>
 Track maturity dates and arrange timely settlements to avoid delays or penalties.
 </li>
 </ul>
 
 
 Bank Coordination
 
 
 <ul>
 <li>
 Liaise with banks to obtain
 
 competitive pricing
 
 on LC issuance, amendments, confirmations, and discounting.
 </li>
 <li>
 Follow up with banks to ensure smooth processing and prompt opening of
 
 LCs/TRs
 
 .
 </li>
 <li>
 Resolve discrepancies or banking queries related to trade documents and settlements.
 </li>
 </ul>
 
 
 Internal Coordination
 
 
 <ul>
 <li>
 Collaborate with the
 
 Purchasing/Procurement team
 
 to understand contract terms, shipment schedules, and supplier requirements.
 </li>
 <li>
 Align financial instruments (
 
 LCs/TRs
 
 ) with procurement timelines to prevent supply chain delays.
 </li>
 <li>
 Provide internal stakeholders with updates on LC statuses, timelines, and bank charges.
 </li>
 </ul>
 
 
 Accounting &amp; Documentation
 
 
 <ul>
 <li>
 Maintain accurate records of all trade finance instruments and transactions.
 </li>
 <li>
 Record and reconcile
 
 bank charges, commissions, interest, and related expenses
 
 with the finance/accounts team.
 </li>
 <li>
 Prepare periodic reports on outstanding
 
 LCs/TRs, bank exposures
 
 , and cost analysis.
 </li>
 </ul>
 
 
 Compliance &amp; Risk Management
 
 
 <ul>
 <li>
 Ensure adherence to internal controls, audit requirements, and regulatory guidelines.
 </li>
 <li>
 Identify risks associated with trade finance instruments and propose appropriate mitigation measures
 </li>
 </ul>
 
 
 Qualifications &amp; Skills
 
 
 <ul>
 <li>
 Bachelor&rsquo;s degree in
 
 Finance, Accounting, International Business
 
 , or a related field.
 </li>
 <li>
 
 2&ndash;5 years of hands-on experience
 
 in trade finance, managing
 
 LCs, SBLCs, TRs
 
 , or similar banking instruments.
 </li>
 <li>
 Strong understanding of
 
 international trade documentation
 
 and compliance standards.
 </li>
 <li>
 Excellent
 
 coordination, communication, and negotiation skills
 
 for effective engagement with banks and internal teams.
 </li>
 <li>
 Proficiency in
 
 MS Excel
 
 and
 
 ERP systems
 
 ; solid foundational knowledge of accounting principles.
 </li>
 <li>
 Detail-oriented, organized, and capable of
 
 managing multiple timelines under pressure
 
 .
 </li>
 </ul>
 
 
</div>

Trade Finance Specialist

RAKBANK

<div>
 
 At RAKBANK, we believe in fostering a culture of innovation, growth, and excellence. We are not just a bank &ndash; we are a community that thrives on teamwork, cutting-edge solutions, and the highest standards of governance.
 
 
 
 
 Join us in co-creating the future of RAKBANK!
 
 
 
 
 
 
 Job Description
 
 
 
 
 
 About the Role
 
 
 
 
 
 This role is focused on managing and growing a portfolio of SME clients by providing tailored trade finance and working capital solutions. This role involves building strong client relationships, understanding their financial needs, and offering structured trade finance products (such as letters of credit, bank guarantees, supply chain financing, working capital loans, commercial loan) to optimize their liquidity and operational efficiency. The role drives profitability through client-centric relationship management, cross-selling initiatives, credit risk oversight, and exceptional service delivery. This role reports to Associate Vice President - SME Coverage.
 
 
 
 
 
 What You&rsquo;ll Be Doing
 
 
 
 
 <ul>
 <li>
 Develop and maintain strong relationships with SME clients, understanding their trade cycles and working capital requirements.
 </li>
 <li>
 Analyze clients&rsquo; cash flow cycles and recommend working capital optimization strategies
 </li>
 <li>
 Manage and expand a portfolio of SME clients to achieve annual business targets.
 </li>
 <li>
 Conduct in-depth analysis of clients' business models and financial requirements to provide tailored banking solutions
 </li>
 <li>
 Identify opportunities to cross-sell SME banking solutions including POS Lending, Asset-Backed Lending, Supply Chain Finance, and Cash Management
 </li>
 <li>
 Drive revenue generation while upholding strong credit quality standards.
 </li>
 <li>
 Prepare comprehensive credit proposals with detailed financial and risk analyses
 </li>
 <li>
 Monitor portfolio performance, identify early warning signs, and implement appropriate risk mitigation strategies
 </li>
 <li>
 Ensure timely renewal and restructuring of credit facilities in line with internal and regulatory policies
 </li>
 <li>
 Partner with internal teams (Credit, Operations, Compliance) to deliver seamless service execution
 </li>
 <li>
 Address and resolve client queries promptly to maintain high satisfaction and retention levels
 </li>
 <li>
 Maintain up-to-date knowledge of market trends, regulations, and industry dynamics
 </li>
 <li>
 Utilize insights to provide advisory services and identify opportunities for business growth.
 </li>
 </ul>
 
 
 What We&rsquo;re Looking For
 
 
 
 
 <ul>
 <li>
 Bachelor&rsquo;s degree in Finance, Economics, Business Administration, or a related field (MBA or CFA preferred)
 </li>
 <li>
 7&ndash;10 years of experience in SME Banking, including business development and relationship management
 </li>
 <li>
 Proven track record of closing SME deals and managing complex credit relationships in the UAE or GCC region
 
 
 </li>
 </ul>
 
 Qualifications
 
 
 
 
 
 What We're Looking For:
 
 
 
 
 <ul>
 <li>
 
 Education:
 
 Bachelor&rsquo;s degree in finance, Economics, Business Administration, or a related field (MBA or CFA preferred)
 </li>
 <li>
 
 Experience:
 
 7&ndash;10 years of experience in SME Banking, including business development and relationship management. Proven track record of closing SME deals and managing complex credit relationships in the UAE or GCC region
 </li>
 </ul>
 
 
 Skills
 
 
 
 
 <ul>
 <li>
 Strong understanding of SME banking in UAE and lending products
 </li>
 <li>
 Strong understanding of credit analysis, financial statements, and lending structures
 </li>
 <li>
 Ability to interpret financial documents (P&amp;L, balance sheets).
 </li>
 <li>
 Excellent communication and interpersonal skills.
 </li>
 <li>
 Knowledge of UAE regulatory environment and corporate governance standards
 </li>
 <li>
 Familiarity with digital banking platforms and financial technology solutions
 </li>
 <li>
 Excellent communication, negotiation, and presentation skills
 </li>
 <li>
 Strategic thinking with strong commercial acumen
 </li>
 <li>
 High ethical standards and integrity
 </li>
 <li>
 Sales-driven with strong negotiation and closing skills
 
 
 </li>
 </ul>
 
 Additional Information
 
 
 
 
 
 What&rsquo;s In It For You:
 
 
 
 
 <ul>
 <li>
 Competitive, performance-linked compensation
 </li>
 <li>
 Medical coverage for you and your family
 </li>
 <li>
 Comprehensive life insurance
 </li>
 <li>
 Inclusive and diverse workplace culture
 </li>
 <li>
 Career development and fast-track growth opportunities
 </li>
 <li>
 Mentorship from industry experts
 </li>
 </ul>
</div>

Relationship Manager – SME Coverage

Commercial Bank of Dubai

Oversee day-to-day operations, including transaction processing, settlement activities, Rate fixing, and service delivery, both internally and with clients Responsibilities include Trade Finance, DCM, Syndications, Cash management, and Treasury business. Preparing reports, metrics, and analysis for senior management and regulatory bodies. Assign tasks, to team members as per business need Handling escalated customer queries and complex service issues. Monitoring the bank exposures including Sovereign risk periodically, to ensure accurate reporting and ongoing quality of the portfolio. Closing data gaps on the system Monitoring the trade volume and credit facilities on an ongoing basis. Handling documentations at FI level, including MRPA, MTLA, Syndications, FOLs,Follow up on the Agenda of FI credit files, save credit committee minutes Provide support in the preparation of the FI credit files Update dept. Country / Bank credit limits Provide reports on current exposure by bank, country, etc. Support SRM and RM for compliance tasks. In charge of the KYC database (new, renewals ) under EDMS. In charge of coordinating with compliance dept. for any counterpart inquirySupport SRM and RM for all customer positions / reservations and process transactions. Manage the dept. Country / Bank credit limits (new transactions, reservations, repay.) Initiate approval process for the booking of a transaction Inform back offices of approvals of transactions Inform and Follow up with SRM / RM on any payment delays of capital, interest, feesProvide frequent activity / portfolio and on demand reports: Daily FI balance funded assets Weekly FI transactions / Pipeline report Monthly Repayment report, monthly vostro activity Quarterly RMCC pack Bi annually Profitability MIS Follow up with correspondent banks on pending / recall payments Provide support to the NBFI segment (delayed payments, etc.) Follow up with correspondent banks unpaid charges (fees ..) Handling queries of the AED Vostro accountsAct as the custodian of the department Policies and Procedures, Recommend amendments when and if required,Manage &amp; guide ARMs in handling daily transactions &amp; credit approvalsManage public domain info related to FI (SSIs, list of correspondents, Almanac) Manage and Renew US and UK process agents mandates Forward / Follow up audit requests from / to banks Safe keeping of various agreements: MRPA, loans, terms and conditions Manage SWIFT Alliance for RMAs, summary extractions, KYC registry

Team Leader, FI & Operations

Emirates Islamic

<div>Mandate Requirements
<ul><li>Technical &ndash; comprehensive knowledge of Trade Transactions and Trade Documentation, knowledge of Documentary Letters of Credit, the International Chamber of Commerce (ICC) rules, Uniform Customs Practices (UCP 600),, International Standby Practices (ISP 98), URC522, URR725, ISBP and URDG
</li><li>Certified Documentary Credit Specialist (CDCS)
</li><li>Demonstrate conceptual and innovative thinking with customer centric focus.
</li><li>Ability to analyze processes / documents / issues from every angle and provide solutions, both tactical and strategic
</li><li>Minimum 10 Years&rsquo; experience in Trade Operations in a reputed bank / financial institution
</li><li>Graduate / Postgraduate
</li><li>Excellent communication skills with ability to negotiate with senior stakeholders.
</li>Must have proven people management skills preferably running a team for at least 3 years. 
<li>
</li></ul>About Emirates NBD 
Emirates NBD is a market leader across the MENAT (Middle East, North Africa and T&uuml;rkiye) region with a presence in 13 countries, serving over 20 million customers. The Emirates NBD Group has a total of 853 branches and 4,213 ATMs / SDMs. Emirates NBD is the leading financial services brand in the UAE with a Brand value of USD 3.89 billion.
At the bank, we serve our customers and help them realise their financial objectives through a range of banking products and services including retail banking, corporate &amp; institutional banking, Islamic banking, investment banking, private banking, asset management, global markets and treasury, and brokerage operations.
We are a key participant in the global digital banking industry, with 97% of all financial transactions and requests conducted outside of our branches. We also operate Liv, the lifestyle digital bank by Emirates NBD. With close to half a million users, it continues to be the fastest-growing digital bank in the region. 
What You Will Be Doing 
<div><div><div><div><ul><li>Lead a team (11) responsible for the delivery of Import products covering issuance and amendment of all Letters of Credit as well as related bill activities. The role-holder retains final say over workability of any issued instrument ensuring adherence to industry regulations and the banks own policies / procedures.
</li><li>Lead the drive to instill a customer service ethic / focus moving away from an SLA based mentality to the delivery of a Turn Around Time (TAT) mindset which is a key differentiator for ENBD in the market.
</li><li>Have full accountability for the performance and results of the Imports Team from a revenue and financial risk perspective.
</li><li>Proactively engage stakeholders / customers to develop a deep understanding of market trends / expectations aligning strategic actions accordingly. Part of this involves the completion and delivery of customer service reviews further cementing our relationship and driving revenue generation.
</li><li>Develop, maintain, and assume responsibility for related operational procedures in line with set policies and guidelines.
</li><li>Maintain a robust risk control environment and proactively identify / resolve complex issues with reference to other stakeholders / risk stewards as prescribed by group policies and procedures.
</li><li>Provide advisory and market knowledge to stakeholders as and when required.
</li>In addition to the responsibilities relating to Imports, the jobholder will act as a deputy to the Head of Trade and assist in the development and execution of strategic plans for all of Trade Operations (all sub divisional areas) in line with business / function objectives / strategy employing appropriate project methodologies to deliver outcomes within agreed timelines. 
<li>
</li></ul></div></div> 
</div></div>What We are Looking for 
<ul><li>Technical &ndash; comprehensive knowledge of Trade Transactions and Trade Documentation, knowledge of Documentary Letters of Credit, the International Chamber of Commerce (ICC) rules, Uniform Customs Practices (UCP 600),, International Standby Practices (ISP 98), URC522, URR725, ISBP and URDG
</li><li>Certified Documentary Credit Specialist (CDCS)
</li><li>Demonstrate conceptual and innovative thinking with customer centric focus.
</li><li>Ability to analyze processes / documents / issues from every angle and provide solutions, both tactical and strategic
</li><li>Minimum 10 Years&rsquo; experience in Trade Operations in a reputed bank / financial institution
</li><li>Graduate / Postgraduate
</li>Candidate must have team handling experience for minimum 3 years. 
<li>
</li></ul>What We Offer You 
<ul><li>Competitive salary package.
</li><li>Strong emphasis on work-life balance and employee wellbeing.
</li><li>Access to world-class Learning &amp; Development platforms for career growth.
</li><li>Generous annual leave and comprehensive Private Healthcare coverage.
</li>Preferential banking facilities for employees. 
<li>
</li></ul>Why Join Us 
We aspire to be an employee&rsquo;s employer of choice. We believe, we can help you realize your true potential by providing the right opportunities. At ENBD we are reimagining the future of work so that you can unlock your potential, every day we want to ensure, every employee can exceed in the future of work by upskilling, building new digital skills and knowledge. Our goal is to empower our employees to build a career experiences and skills they need in the future and that will produce a great outcome for our bank as well, we want our employees no matter their background, location, preferences to feel engaged to one ENBD team. 
We encourage interested candidates to review the key responsibilities and qualifications for each role and apply for any positions that match their skills and capabilities. ENBD is proud to be an equal opportunity employer. All qualified applicants will receive consideration for employment, however due to high volume of applicants, only SHORTLISTED candidates will be contacted.</div>

Senior Manager - Trade Operations

DP World

<div>As part of its mission to be a global trade enabler, DP World seeks to offer a Trade Finance product to BCOs (Importers/Exporters) and transporters to ease their working capital crunch under the initiative called &ldquo;DPW Trade Finance&rdquo;. To support the business development activities undertaken by the Trade Finance business in relation to sales in the UAE, DP World is looking for a Senior Manager &ndash; Sales to be based in Dubai to cover accounts based both in UAE &amp; also in other markets like CIS. The main purpose of this role is to raise grow Trade Finance and the lending products offered via the platform, identify new business opportunities, proactively outreach to existing and prospective clients of DP World, in collaboration and alignment with the logistics team in the UAE, provide sales support, help connect the companies with both the logistics team in the UAE and the Trade Finance team in Dubai, handhold companies on application and utilization of financial products and represent Cargoes Finance in the country.
KEY ACCOUNTABILITIES:
<ul><li>Overall responsible for originating &amp; managing clients to whom trade finance can be offered
</li><li>Use personal database as well as market leads to build a pipeline of clients who meet the required credit criteria
</li><li>Structure deals with clients, understand client financials, present to Credit &amp; be responsible for end-to-end lifecycle management of clients
</li><li>Originate larger &amp; more complex credits with cross border requirements that match both the Logistics footprint of DPW &amp; the trade finance requirements
</li><li>Arrange and execute customer visits with the intent to further develop Trade Finance in Dubai and to support the logistics team in the UAE
</li><li>Work closely with team in the UAE to develop bundled product offering (finance + logistics) to offer multiple DP World products and services to the customer
</li><li>Support the Trade Finance team in Dubai and the logistics team in the UAE and in building long term relationships with key contacts at target customers
</li><li>Support the business growth by analyzing sales trends, markets dynamics and reports to determine business growth potential
</li><li>Gather market &amp; competitor intelligence to support Trade Finance and the UAE logistics team to capture new business opportunities
</li><li>Be an ambassador for the product for all customer facing activities
</li><li>Potential candidate should have technical &amp; people skills with required performance to potentially become a team leader
</li><li>Act as an ambassador for the company at all times when working; promoting and demonstrating positive behaviours in harmony with Our Principles, values and culture; ensuring the highest level of safety is applied in all activities; understanding and following the company&rsquo;s Code of Conduct and Ethics policies
</li>Perform other related duties as assigned 
<li>
</li></ul>QUALIFICATIONS, EXPERIENCE AND SKILLS:
<ul><li>Have more than 15 years&rsquo; business development experience in promoting Trade Finance / Corporate &amp; Commercial Banking products for Mid / Large Corporates. Experience with Non-Bank Financial Institutions, Trade Finance Funds is a big plus
</li><li>Master&rsquo;s degree in business administration, Marketing, Finance, Banking or Engineering.
</li><li>Excellent knowledge in Trade Finance, corporate banking &amp; cross border finance, more specifically financing imports &amp; exports, pre &amp; post-shipment financing, receivables &amp; payables, supply chain finance as well as inventory finance
</li><li>Excellent track record in achieving and exceeding business development targets
</li><li>Excellent persuasion skills, ability to spot opportunities and go after them with gusto
</li><li>Patience and the ability to tactfully handle customer negotiations
</li><li>Problem solving attitude
</li><li>Ability to work independently without supervision
Location - Dubai International Financial Centre</li></ul></div>

Sales Senior Manager (Trade Finance)

Aujan Coca-Cola Beverages Company (ACCBC)

<div>
 
 
 Job Title: Revenue Growth Management (RGM) Lead
 
 
 
 
 Reports To:
 
 Commercial Finance Director
 
 
 
 Business Unit:
 
 ACCBC Corporate
 
 
 
 Function:
 
 Finance
 
 
 
 Location:
 
 Dubai, UAE
 
 
 
 Grade:
 
 L08
 
 
 
 
 
 
 Purpose of the Role
 
 
 
 The RGM Lead is responsible for driving profitable revenue delivery through rigorous Gross-to-Net (GTN) management, pricing and pack optimization, and promotion efficiency across the Middle East region.
 
 
 This role acts as the commercial finance co-pilot to BU General Managers and Finance Directors&mdash;ensuring that every commercial dollar spent delivers maximum financial return, and that pricing, trade terms, and mix are optimized to protect margins and fund growth.
 
 
 
 
 
 
 Key Accountabilities
 
 
 
 
 Gross-to-Net (GTN) Management
 
 
 <ul>
 <li>
 Own the full GTN value chain (List Price &rarr; Net Sales Realization), ensuring transparency and accuracy across all discount and investment lines.
 </li>
 <li>
 Develop and maintain GTN tracking and mapping models by country, customer, and channel to monitor performance versus plan and prior year.
 </li>
 <li>
 Identify leakage points in trade spend and implement corrective actions to improve realization.
 </li>
 <li>
 Lead annual GTN target-setting process and ensure alignment with pricing strategy and budgeted margins.
 </li>
 </ul>
 
 
 Pricing &amp; Pack Strategy Execution
 
 
 <ul>
 <li>
 Support Category and BU teams on pricing decisions through elasticity analysis, competitive benchmarking, and scenario simulations.
 </li>
 <li>
 Recommend price adjustments based on input cost changes, inflation, or competitive dynamics while maintaining value perception.
 </li>
 <li>
 Lead implementation of OBPPC (Occasion, Brand, Pack, Price, Channel) projects to enhance revenue per liter or case.
 </li>
 <li>
 Monitor market price compliance and implement corrective actions to address pricing leakage.
 </li>
 </ul>
 
 
 Promotion &amp; Trade Spend Optimization
 
 
 <ul>
 <li>
 Develop and maintain promotion effectiveness dashboards to measure ROI by customer, channel, and pack.
 </li>
 <li>
 Drive standard pre/post-event evaluations and embed learnings into future planning cycles.
 </li>
 <li>
 Partner with Sales and Category teams to optimize promotion mechanics and frequency, reducing over-discounting while maintaining volume targets.
 </li>
 <li>
 Ensure trade spend allocation aligns with strategic priorities and channel profitability.
 </li>
 </ul>
 
 
 Mix &amp; Margin Enhancement
 
 
 <ul>
 <li>
 Analyze SKU, channel, and customer mix monthly to identify drivers of margin erosion.
 </li>
 <li>
 Recommend portfolio or pricing interventions to shift mix toward higher-margin segments.
 </li>
 <li>
 Collaborate with Supply Chain and Marketing to rationalize low-margin SKUs and optimize pack-price hierarchy.
 </li>
 </ul>
 
 
 Governance &amp; Reporting
 
 
 <ul>
 <li>
 Develop RGM tools and reporting platforms (RGM dashboards, GTN tracking models, promo ROI tools).
 </li>
 <li>
 Ensure data integrity and consistency in GTN definitions across markets.
 </li>
 <li>
 Support development of digital RGM capabilities and automation of manual analyses.
 </li>
 </ul>
 
 
 
 
 
 Key Performance Indicators (KPIs):
 
 
 <ul>
 <li>
 % Improvement in GTN realization vs. prior year.
 </li>
 <li>
 Trade spend ROI improvement and efficiency of reallocation.
 </li>
 <li>
 Growth in Net Revenue per HL / per unit via mix and pricing optimization.
 </li>
 <li>
 Reduction in non&ndash;value-accretive promotions.
 </li>
 <li>
 Incremental revenue and margin expansion from pricing and pack architecture (PPA) initiatives.
 </li>
 </ul>
 
 
 
 
 
 Decision Rights
 
 
 
 GTN target-setting:
 
 <ul>
 <li>
 Lead and recommend targets
 </li>
 <li>
 Final approval by Commercial Finance Director &amp; BU GM
 </li>
 </ul>
 
 Pricing adjustments:
 
 <ul>
 <li>
 Recommend price changes based on analysis
 </li>
 <li>
 Approval required from BU GM &amp; Commercial Finance Director
 </li>
 </ul>
 
 Promotion mechanics &amp; trade spend allocation:
 
 <ul>
 <li>
 Lead design and optimization of promotions
 </li>
 <li>
 Ensure alignment with ROI and strategic priorities
 </li>
 </ul>
 
 Portfolio / mix changes:
 
 <ul>
 <li>
 Recommend SKU or mix adjustments
 </li>
 <li>
 Requires consultation with BU leadership
 </li>
 </ul>
 
 RGM dashboards &amp; reporting tools:
 
 <ul>
 <li>
 Approve development and updates
 </li>
 <li>
 Coordinate with IT / Data Analytics teams
 </li>
 </ul>
 
 Policy / process improvements:
 
 <ul>
 <li>
 Recommend improvements to RGM processes
 </li>
 <li>
 Final approval by Commercial Finance Director
 </li>
 </ul>
 
 Cross-functional initiatives (OBPPC, mix optimization):
 
 <ul>
 <li>
 Co-lead with Category &amp; Supply Chain teams
 </li>
 <li>
 Escalate conflicts or major changes to BU leadership
 </li>
 </ul>
 
 Short-term corrective actions on GTN leakage:
 
 <ul>
 <li>
 Approve operational corrective actions
 </li>
 <li>
 Escalate major adjustments to Commercial Finance Director
 </li>
 </ul>
 
 
 
 
 
 Requirements (Experience, Knowledge, Qualifications):
 
 
 
 
 Education:
 
 
 <ul>
 <li>
 Bachelor&rsquo;s degree in business, Finance, Economics, or related field (MBA preferred).
 </li>
 </ul>
 
 
 Experience:
 
 
 <ul>
 <li>
 10&ndash;15 years of experience in Commercial Finance, Revenue Growth Management, or Pricing within FMCG.
 </li>
 <li>
 Proven track record in GTN analysis, pricing management, and trade spend control.
 </li>
 <li>
 Strong understanding of customer terms, promotion planning, and channel P&amp;L.
 </li>
 <li>
 Experience across GCC or broader Middle East markets is essential.
 </li>
 <li>
 Advanced proficiency in Excel, Power BI / Tableau, and data modeling for pricing or GTN analysis.
 </li>
 <li>
 Working knowledge of SAP / BW / TPM systems preferred
 </li>
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 Competencies Required
 
 
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 Commercial Acumen: Strong understanding of revenue drivers, customer profitability, and value creation.
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 Analytical Thinking: Highly data-driven, able to translate insights into practical actions.
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 Strategic Orientation: Connects commercial initiatives with long-term business goals.
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 Influencing &amp; Collaboration: Partners effectively with cross-functional teams; drives consensus on RGM strategies.
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 Decision Making: Uses evidence-based judgment to balance short-term results and long-term profitability.
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 Innovation &amp; Agility: Continuously seeks process improvements and digital automation.
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 Execution Excellence: Follows through with high attention to detail and accountability for outcomes.
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 Results Orientation: Focused on measurable financial impact and continuous performance improvement.
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 Role Positioning within Operating Model
 
 
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 Strategic Direction: Acts as a commercial finance partner to BU GMs and Finance Directors; provides strategic insights on pricing, GTN, and trade spend to drive profitable revenue growth. Supports long-term portfolio and pack/pricing strategies aligned with business objectives.
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 Operational Leadership: Leads day-to-day RGM activities including GTN tracking, promotion ROI evaluation, and pricing compliance. Ensures operational alignment between Finance, Sales, and Category teams across the Middle East region.
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 Administrative Execution: Maintains accurate GTN models, dashboards, and reporting tools; ensures data integrity, compliance with governance standards, and timely submission of reports.
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 Functional Support: Provides subject-matter expertise in pricing, trade terms, pack/mix optimization, and promotion planning. Supports other functions (Supply Chain, Marketing, Sales) in financial decision-making and RGM initiatives.
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 Career Path
 
 
 
 Next Possible Roles (Upward / Lateral Progression):
 
 <ul>
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 Upward: Head of Revenue Growth Management / Commercial Finance Director
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 Lateral: BU Commercial Finance Manager / Pricing &amp; Trade Strategy Manager
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Revenue Growth Management Lead

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