Head of Digital Onboarding- Acquisition- and Payments

JOB PURPOSE:

Key role is to manage, optimize, and transform the credit card onboarding acquisition and card payments solutions across FAB & Dubai First credit cards.

With a focus to ensure our end-to-end cards onboarding journey is market-leading, working with key business partners to drive top-of-the-funnel marketing, digital journey optimization, and balanced credit conversion.

Also to deliver a strong return on investment and sustainable growth in new cards acquisitions with the right quality and product mix across the desired channels to budget.

Lastly, with a focus to keep customers digitally onboarded, working with the schemes to leverage market-leading payment features or products to bring a true in-app digital CX to life.

ACCOUNTABILITIES:

End to End Cards Onboarding:

1. Ownership of both short-term and long-term business objectives to materially improve the customer and banker experience when taking out and first using your credit card.
2. Top of the funnel marketing designing and tracking market-leading welcome offers across various channels. Working with marketing function and agency to yield the best results.
3. Optimize credit card journeys working with digital teams to identify opportunities to reduce drop-offs and customer pain points.
4. Improving the credit conversion working with credit and risk to balance approval rates and collections flows.

Card Business Acquisition:

1. Deliver a full year plan which manages the key driver of net account growth from sustainable acquisitions with focus on key drivers objectives and achieving business targets.
2. Drive P&L outcomes.
3. Focus on quality of acquisition profitability and sound credit and fraud risk management.
4. ROI management.
5. Optimization across channels.
6. Support or drive product launches.

Payments:

1. Continuous development of market-leading card and digital features in-app to make FAB cards the best way to pay, borrow, and reward in the UAE. Ensure a customer can be digital-first in their application journey and beyond.
2. Instant card provision.
3. ECommerce Payments.
4. Instant card provision dynamic CCV.
5. Digital Wallet.
6. Tokenization.

Internal & External Collaboration:

Collaborate with internal stakeholders to identify, prioritize, and design processes, rules of engagement, and ways of work with an objective for digitalization, simplification, and rationalization to achieve high standards of service with the ability to influence and shape the agenda. Main internal stakeholders are:

1. Marketing
2. Digital & Technology
3. Credit & Risk
4. Distribution
5. Fraud & Operations
6. Across the broader cards product team
7. Across the broader consumer banking team
8. Schemes
9. Partner Co-Brands
10. New Fin Techs

People:

1. Ability to lead and inspire direct team and broader end-to-end business and partners.
2. Ability to influence change and drive results, delivering key tangible outcomes to market.
3. Build up team capabilities and ensure knowledge transfer and continuous development.
4. Empower people to create a robust succession plan.
5. Manage the hiring, firing, and ensure the high engagement of team members.
6. Create space for growth and enhancing leadership capabilities of the team members.

Qualifications:

Minimum Qualification:

University or Graduate degree in Business (MBA an advantage).

Minimum Experience:

Domain knowledge in multiple geographies is an advantage.

Overall experience of at least 15 years with a minimum of 10 years of experience in Cards Product.

Strong Marketing skills and a thorough knowledge of Banking Products/Services/Payments/Digital.

Extensive knowledge of Financial Services industry Central Banks rules, regulations, and procedures.

Knowledge of Agile process and principles, Design Thinking, Digital Transformation & Sustainable Finance.

Analytical ability and strategic thinking.

Strong communications, leadership/negotiations, and interpersonal skills.

Management of external partners.

Ability to work under pressure & multitask.

Remote Work:

No

Employment Type:

Full-time