United Arab Bank Jobs in Sharjah, United Arab Emirates – Retail Products Officer – Products & Propositions

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About the job

Job Purpose

  • Assist in managing all aspects of all Retail Asset & Liability products, including pricing, process and procedure design, staff training and oversight of customer communications.
  • Design and execute plans to acquire and retain high quality/low risk consumer assets.
  • Lead initiatives with internal partners to design market leading processes to onboard new-to-bank customers fast

Key Accountabilities/Responsibilities:

Key Result Areas

  • Ensure products team is meeting needs of all segments for liabilities and assets products managed by the team.
  • Ensure growth and assist in revenue targets along with future growth targets
  • Flag, track and measure the effect of policy/proposition changes, and analyze and react to changes in the behavior of the various segments and sub-segments of the portfolio.
  • Actively collaborate with partners in ratifying the portfolio strategy with respect to opportunity and threat, risk and reward and portfolio mix based on portfolio/segment/sub-segment performance as well as economic/market/business and competitive intelligence to profitably grow the portfolio
  • Establish processes to ensure robust workflow and simultaneously build checks balances for fraud prevention and operational risk management
  • Ensure management and monitoring of retail propositions.
  • Define product continuum, features and bundles, based on input from channels
  • Assist in defining pricing rules and designs special offers for target customers and companies.
  • Ensures delivery channels are trained and equipped for the product delivery as per customer segment.
  • Works closely with partners and stakeholders to ensure smooth delivery of products to the customers.
  • Works on process improvements and enhancements along with IT, Operations; Risk Management and Project Management teams.
  • Assist in developing & manage new offers on balance transfer; loan on phone, easy payment plan and other portfolio sales tools to generate higher revenues.
  • Ensure higher inorganic growth and high utilization on cards.
  • Assist to develop a retention strategy to ensure low attrition
  • Work with the product manager to design activation campaigns targeting different segments.
  • Assisting in executing different campaigns using channels like direct sales, branches, contact center etc.
  • Manage the journey of the customer through the entire life cycle of the product.
  • Ensure the team receives satisfactory audit rating.

Customer Experience Metrics :

  • Owner of the end-to-end “Retail Customer Experience” for franchise and responsible for process redesign in conjunction with Sales, Operations, Technology and Credit
  • Facilitate the identification of process improvements through customer complaints, internal product performance measurement data
  • Assist retail distribution to deploy and execute “Customer Promise”
  • Be a best practice hub on service standards
  • Champion service quality culture.

Leadership & Training

  • Orient new joiners to retail distribution, logistics and impart product trainings
  • Prepare standardized sales Kit for retail distribution and ensure that continuous training is imparted on regular basis


  • High level of internal cross -functional interaction with Credit, Operations on product parameters; process revamps and trainings on new parameter changes
  • Support line manager with any other tasks outlined by Management based on business needs & work requirements

Qualifications, Experience & Skills

  • Bachelor Degree of Masters degree from a reputed institution
  • Minimum 3 years of experience in banking in relevant field.
  • Knowledge of retail banking & central bank regulations governing retail banking.

Company: United Arab Bank

Vacancy Type: Full-time · Associate 

Job Location: Sharjah, United Arab Emirates

Application Deadline: N/A

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To apply for this job email your details to bfdirb6788@gmail.com