Credit Card Portfolio Manager

Operating in the UAE for over 50 years

CBD manages the financial requirements of some of the largest corporates and businesses operating in the country, driving the UAE economy. Over the years, CBD has transformed into a progressive and modern banking institution winning multiple awards for its digital initiatives, credit cards, bank accounts, mobile app features, and services.

CBD has been recognized as the number one bank in the UAE on the Forbes list of The World’s Best Banks 2022.

As we continue to build upon our successes, we are looking for ambitious individuals who are passionate about the banking and finance industry and the markets in which CBD operates. Just as important to us is your ability to demonstrate a talent for dealing with people - your colleagues and our customers - and delivering service that really goes the extra mile.

Job purpose:

The credit card portfolio manager will be responsible for managing the performance, growth, and profitability of the bank’s credit card portfolio, with a strategic focus on developing and driving instalment plan products. This includes lifecycle management, customer engagement, pricing strategies, and cross-functional collaboration to enhance product uptake and usage.

Principal accountabilities:

Portfolio strategy & growth

• Develop and execute strategies to grow the credit card portfolio through instalment plan offerings (e.g., cash on card, EPP or post-purchase conversions including statement balances).
• Analyze customer behavior and transaction data to identify opportunities for instalment plan adoption - especially through building strong propensity models.
• Monitor portfolio KPIs including activation, usage, balances, and profitability.

Instalment plan development

• Design and launch new instalment products tailored to customer segments and merchant partnerships.
• Collaborate with product, risk, and technology teams to ensure seamless customer experience and operational efficiency.
• Optimize pricing, tenures, and merchant discount rates to drive uptake across channels including telesales and digital, establishing excellence in offering across the industry.

Risk & compliance

• Work closely with credit risk teams to ensure instalment plans are aligned with underwriting policies and regulatory guidelines.
• Monitor delinquency trends and implement proactive risk mitigation strategies.

Customer engagement & marketing

• Partner with marketing and analytics teams to develop targeted campaigns promoting instalment plans.
• Drive digital adoption through app-based and online instalment conversion journeys.

Stakeholder management

• Liaise with internal stakeholders including finance, operations, legal, and compliance to ensure product success.
• Manage relationships with external partners such as merchants and networks.