Commercial SME Portfolio Manager

About the job

Term: 12 months
Location: Dubai
Division: Issuing and Processing
Reports to: Head of Product, Head of Issuing
Relevant experience: 8-12 years in commercial cards product management, SME portfolio development, and customer acquisition in the UAE/GCC region.

Mandatory requirements

UAE market experience in SME/Commercial cards
Professional proficiency in English
Experience in card operations, onboarding, and activation campaigns
Experience in stakeholder management across products, credit, risk, and operations

Purpose of the project

Support the launch and growth of clients' new SME commercial credit card portfolio in the UAE. Drive customer acquisition, activation, and spend through targeted campaigns and operational excellence.

Key activities

Core responsibilities and accountabilities

Lead SME customer acquisition campaigns across digital, direct, and partner channels to onboard new clients.
Design and implement onboarding journeys to maximize activation and early spend.
Optimize pricing, rewards, and product features to drive portfolio profitability.
Monitor portfolio performance and identify underutilized segments for targeted spend stimulation.
Collaborate with sales, operations, and technology teams to ensure seamless card issuance and servicing.
Develop and deliver training programs for internal teams and partners to support SME engagement.
Prepare monthly performance dashboards and insights for senior stakeholders.
Support expansion into new SME verticals through tailored propositions.
Leverage company’s assets and tools to enhance product delivery and campaign execution.

KPIs

SME card acquisition volume (monthly target)
Activation rate within first 30 days
Monthly spend per active SME card
Portfolio revenue growth (%)
Campaign ROI and conversion rate
SLA adherence for onboarding and servicing
Training effectiveness (feedback score)
Fraud rate (% of transactions flagged)
Time-to-market for new SME card features

Knowledge and experience

Must-have

Full lifecycle of SME/commercial card product management
Experience in onboarding, activation, and spend stimulation strategies
Familiarity with GCC SME market dynamics and regulatory environment
Strong analytical and reporting capabilities

Nice-to-have

Arabic language proficiency (verification needed)
Experience with B2B payments and supplier enablement
Knowledge of TSYS Prime or similar card platforms (verification needed)
Experience with card scheme tools and mandates

Mandatory skills

Campaign design and execution (digital, direct, partner)
Portfolio analytics (SQL/Excel)
Product pricing and rewards optimization
Stakeholder management across product, credit, risk, and operations
Training design and delivery
Scheme rule interpretation (verification needed)
Familiarity with onboarding systems and card issuance platforms (verification needed)

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