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Head - Business Banking Products and Segments

Abu Dhabi Commercial Bank
Abu Dhabi Emirate, UAE
Full Time
Director
2 days ago
Product StrategyP&L ManagementSegment Value Proposition DesignLending ProductsCredit EconomicsIncentive Scheme Design
Free

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Product StrategyP&L ManagementSegment Value Proposition Design
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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 a full suite of products and services in conventional and Shari’ah compliant banking.

Job Overview

  • To lead and oversee the Business Banking Products and Segments vertical by owning segment strategy, lending product P&L and specialist product enablement.

Key Responsibilities

  • Lead the development and execution of the Business Banking Products and Segments strategy.
  • Translate strategic priorities into operating plans and financial targets, with full accountability for product P&L and segment performance.
  • Establish governance, reporting and performance management frameworks.
  • Develop a deep understanding of market trends, customer needs, competitor positioning and industry best practices.
  • Operate the Products and Segments vertical as the central product factory and touchpoints hub.
  • Design, execute and continuously monitor all incentive schemes across Sales and Distribution.
  • Own and lead the central segments capability by developing differentiated value propositions.
  • Translate segment strategies into acquisition, conversion and engagement initiatives.
  • Monitor segment performance against financial, penetration and NPS KPIs.
  • Lead and own the Business Banking lending product factory.
  • Oversee loan book growth, revenues, margins and risk‑adjusted returns.
  • Conduct regular reviews of pricing, fees, charges and product structures.

The ideal candidate should have the following experience

  • At least 9 years of progressive Banking and Financial Institutions experience with senior leadership exposure in Business Banking products, Segments or P&L Management.
  • Bachelor’s Degree in Finance, Business, Economics or related discipline.
  • Chartered Financial Analyst (CFA) Qualification.
  • Business Banking Product Strategy.
  • Segment Value Proposition Design.
  • Lending Products and Credit Economics.
  • Product P&L and Risk‑Adjusted Return Management.
  • Incentive Scheme Design and Governance.
  • Customer Analytics and Insights.
  • Sales Enablement and Distribution Support.
  • Wealth and Insurance Cross‑Sell.
  • Senior Stakeholder Management and Leadership.

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