Head of Products & Customer Journeys - Retail Banking

Job Purpose:Develop and manage a portfolio of leading retail banking products & services to drive UAB's balance sheet & revenue growth.Position UAB as the bank providing best customer experience in the UAE through digital products & services.Principal Accountabilities:StrategicDrive retail banking annual gross operating income, through solid customer acquisition strategies and all retail banking products especially Cards & Payments, Remittances, Savings Accounts and Unsecured Lending. Continually optimize retail portfolio to increase retail banking net operating income and net profit. Drive change to ensure distinctive customer experience across all channels through a customer lifecycle management framework, associated processes, KPIs, trainings and infrastructure enhancement.Push UAB Retail Banking into the new age by leveraging digital technologies and advanced analytics across customer journeys and offerings to not only drive value but also offer distinctive customer experience. Foundational AccountabilitiesRun UAB Retail Banking Products & Customer Journeys function and take full responsibility for managing the functions operations.Execute retail banking products & services roadmap as per 5 years plan and establish a customer lifecycle management framework to ensure optimal customer engagement and best-in-class customer experience. Manage design, development, implementation and ongoing commercialization of retail banking products and services especially on Cards & Payments, Remittances, Savings Accounts and Unsecured Lending to increase UAB's competitiveness in the market and to meet and exceed customers' expectations.Maximize retail banking products offering to meet and exceed peer products in the market by incorporating feedback from other core retail banking functions. Maximize synergies with Marketing and CRM to drive value for customers.Oversee the profitability of retail banking portfolio, re-adjust on an ongoing basis and ensure that profitability targets are met.Oversee customer acquisition and churn management to drive balance growth and manage risks within bank's appetite.Collaborate with internal & external teams to ensure all products and services are regularly maintained and problems resolved to drive positive customer experience.Ensure the timely execution and completion off all remediation activities. Oversee acquisition and development of critical talent that needs to be onboarded to drive Products & Customer Journeys function's growth. Job Requirements: Bachelor degree in Finance, Economics, Business Administration or similar field.Post graduate degree in a relevant field or MBA will be preferable.15+ years of experience in retail banking or product development in the financial sector with at least 5 years in digital banking space5+ years of experience in a position with people management responsibilities in a product teamDemonstrated experience in developing and driving product initiatives end-to-end from planning to post-rollout management