Head of Retail Liabilities Growth

2 weeks ago


Dubai, United Arab Emirates Emirates NBD Full time

**Company Introduction**

Emirates NBD is a market leader across the MENAT (Middle East, North Africa and Türkiye) 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 realize their financial objectives through a range of banking products and services including retail banking, corporate & 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. With close to half a million users, it continues to be the fastest-growing digital bank in the region.

**Job Purpose - As Head of Retail Liabilities Growth & Program at Emirates NBD, your role is to**
- The role will be integral to the Retail Strategy team and will lead strategy development and implementation across the division, strategy development as needed for business and support units, initiate and support new business development, carry out internal and market benchmarking and collation of market intelligence.
- This role will lead and strategize the expansion of our liability book, collaborating with sales and segment teams.
- Drive initiatives for overall liability growth and oversee specialized campaigns, particularly focusing on key segments like payroll customers.
- Provide recommendation and directions to liabilities product team, ensuring alignment with organizational goals and maximizing growth opportunities in the market
- Work with segments to improve new money from existing customers either through focused customer campaigns or through sales boosters Review and benchmark competition and come up with new benefits and process improvements to influence customer experience.

**Responsibilities -**
- Meet business goals on all key parameters i.e., new acquisition, funding, balance growth & revenue
- Monitor all customer accounts closely and take appropriate action from time to time to remediate if there are any slippage with respect to regulatory requirements
- Review opportunity and do end to end process creation for the launch of new customer campaigns, programs, and offers from time to time addressing both individual and non-individual customer base
- Prepare annual sourcing budgets in conjunction and discussion with manager and allocate goals meaningfully across all sourcing channels in discussion and agreement with them.
- Come up with best-in-class innovative solutions with respect to products, processes, or features on the existing products to create differentiation / value to customers.
- Provide insights and ideas based on deep understanding of customer/product trends and metrics using business analytic, research, surveys, mystery shopping, and industry & market data and Focus on digital, real-time marketing and alternate channel acquisitions.

**To be successful in this role, you will need the following skills and experience **
- Proven track record of successful product ownership, from concept to delivery, in a financial institution or related industry
- Key requirement will be experience in acquisition strategies and product offers within UAE (preferable) - 15+ Years
- In depth understanding of the sales cycle and familiarity with campaign management
- Experience in negotiating with 3rd party suppliers, agencies and vendors would be an advantage
- Fair marketing experience with exposure to digital marketing
- Fair understanding for P&L drivers. Excellent communication and report writing skills

**What we offer you**
- Competitive salary package
- Strong emphasis on work-life balance and wellbeing across the bank
- World-class Learning & Development platform and career development
- Generous annual leave entitlement and Private Healthcare
- Preferential banking facilities for employees


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