Executive Manager - Business Banking Products

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About the business area:

The Retail Banking Group (RBG) supports retail and micro-business customers in managing their finances, through expert advice and the provision of a full suite of specialist products and services in conventional and Shari’ah compliant banking. The business is committed to driving digital innovation to deliver excellence in customer service.

We are actively seeking an ambitious professional to join our Business Banking team at ADCB to work alongside passionate colleagues who share your ambition to redefine excellence in UAE banking.

Role overview:

To manage and deliver the Business Banking lending product portfolio by translating strategic priorities into product plans, governing product lifecycle execution and optimising portfolio performance in order to achieve sustainable asset growth, risk-aligned returns and effective sales enablement

In this role, your key responsibilities include:

• Translate the Business Banking product direction into clear lending product plans, priorities and roadmaps that support loan book growth, portfolio profitability and customer outcomes
• Own the planning and prioritisation of the lending product portfolio to ensure product design, positioning and development remain aligned to business objectives, market needs and the direction set by the line manager
• Own the performance of the Business Banking lending product portfolio including growth, revenue, margins and risk-adjusted returns within agreed financial parameters
• Review product and portfolio performance on an ongoing basis and implement pricing, structural and portfolio actions to improve commercial outcomes, protect profitability and support delivery against budget expectations
• Manage the full lifecycle of Business Banking lending products from development and approval through to launch, monitoring, enhancement and rationalisation
• Ensure that lending product initiatives are delivered within approved governance frameworks and that all product decisions, approvals and changes remain aligned with internal policy and regulatory requirements
• Develop and maintain lending product structures, eligibility parameters and related controls in line with approved risk appetite, credit policy and governance standards
• Support Business Banking sales and relationship teams through product expertise, pricing guidance, training and structured product support to improve lending penetration and execution quality
• Drive improvements to lending journeys, operating processes and product delivery models through digitisation, simplification and coordination with Technology and Operations
• Coordinate with internal stakeholders to align priorities, resolve issues and ensure timely delivery of lending product initiatives, portfolio actions and governance requirements
• Manage self and team in line with ADCB’s people management policies, procedures, processes and practices to ensure adherence and to maximise own and employee contribution to business performance
• Manage the effective achievement of the team’s objectives through setting individual objectives, managing performance, developing the team and providing formal and informal feedback to maximise overall performance, engagement and motivation

The ideal candidate should have the following experience

• At least 8 years of experience in Banking or Financial Services with exposure to Business Banking lending products, product management, lending portfolio management or credit
• Bachelor’s Degree in Finance, Economics, Business, Accounting or related discipline
• Business Banking Lending Products Knowledge
• Lending Portfolio Management
• Product Lifecycle Management
• Pricing and Revenue Management
• Credit Policy and Risk Awareness
• Lending Product Governance
• Financial Analysis and Portfolio Performance Monitoring
• Sales Enablement and Distribution Support
• Digital Lending and Process Optimisation
• Stakeholder Management and Influencing Skills
• Regulatory and Compliance Knowledge
• Data Analysis and Management Information
• People Leadership and Performance Management

What we offer:

• Competitive Salary: In addition, all employees are eligible to participate in one of our rewarding variable pay plans. 
• Comprehensive Benefits Package: This includes market-leading medical insurance, group life and personal accident insurance, paid leave and leave airfare, employee preferential rates on loans and finance facilities, staff discounts and offers, and children education assistance (for certain job levels).
• Flexible and Remote Working Options: We understand the importance of work-life balance and offer flexible working arrangements, subject to eligibility and job requirements.
• Learning and Development Opportunities: We value and facilitate continuous learning and personal development, through a variety of exciting learning opportunities, such as structured instructor-led courses, a comprehensive e-Learning catalog, on-the-job training and professional development programs.

At ADCB, we are dedicated to creating a respectful, caring and disciplined work environment that aligns with your career ambitions.