وصف الوظيفة
Role Overview
Assistant Vice President, Personal Loan Products at First Abu Dhabi Bank. The role is based in Abu Dhabi, UAE.
Company Overview
First Abu Dhabi Bank (FAB) is the largest bank in the UAE and one of the world's largest and safest financial institutions. FAB offers a comprehensive range of personal and private banking services, including credit cards, Islamic banking, investments, loans, and mortgages. The organization is committed to excellence and innovation in providing top-tier financial solutions to clients globally.
Role Purpose
Manage the end-to-end lifecycle, growth, profitability, and customer proposition of the Bank's Personal Loan and Auto Loan portfolios. Drive product strategy, pricing, portfolio performance, customer acquisition, digital enablement, and market competitiveness while ensuring compliance with regulatory and risk frameworks.
Key Responsibilities
Product Management & Strategy
- Manage the lifecycle of Personal Loan and Auto Loan products, including product design, pricing, campaigns, enhancements, and profitability.
- Develop and execute strategies to achieve portfolio growth, revenue, market share, and customer acquisition targets.
- Identify new opportunities for product innovation, cross-selling, and process optimization.
Portfolio Performance & Analysis
- Monitor product performance, portfolio quality, customer trends, and competitive market developments, recommending enhancements where required.
- Track and report product KPIs, including volumes, balances, yield, revenue, portfolio quality, conversion rates, and customer satisfaction metrics.
Pricing & Business Cases
- Lead pricing reviews and business cases for rate changes, promotional campaigns, and product propositions.
Distribution & Partnerships
- Manage Auto Loan dealer relationships and distribution partnerships to drive sales and improve customer reach.
Digital Transformation
- Drive digitization initiatives across loan origination and servicing processes to improve turnaround times and customer experience.
Cross-functional Collaboration
- Collaborate with Digital, Risk, Operations, Technology, Finance, Compliance, and Sales teams to deliver product initiatives and improve customer journeys.
Compliance & Risk
- Ensure products remain compliant with regulatory requirements and internal policies.
Key Performance Indicators
- Personal Loan portfolio growth
- Auto Loan portfolio growth
- Revenue and profitability targets
- Market share and customer acquisition
- Portfolio quality and delinquency metrics
- Digital adoption and straight-through processing rates
- Customer satisfaction and turnaround times
- Successful delivery of product initiatives and campaigns
Qualifications & Experience
- Master's degree in Business Management with specialization in Marketing and Finance.
- Minimum 10+ years of relevant experience in the banking sector.
Skills & Competencies
- Strong focus on turning insight into compelling reasons to believe to drive the customer-focused agenda.
- Advanced reasoning and problem-solving skills.
- Strong technical knowledge of Personal Banking products and business model.
- Excellent communication skills with a high degree of personal integrity.
- Ability to deliver desired results under pressure.
Additional Information
FAB offers unique career choices, a chance to innovate, and craft solutions for the future within a performance-based culture. The organization provides a range of learning and development initiatives to support employees through training and skill development. FAB has structured plans for the recruitment and career progression of Emirati talent to enable them to make an impact in the financial and banking sector both regionally and globally.