Executive Manager - Business Banking Segment Value Proposition

About the business area:

The Retail Banking Group (RBG) supports retail and micro-business customers in managing their finances, through expert advice and the provision of a full suite of specialist products and services in conventional and Shari’ah compliant banking. The business is committed to driving digital innovation to deliver excellence in customer service.

We are actively seeking an ambitious professional to join our Business Banking team at ADCB to work alongside passionate colleagues who share your ambition to redefine excellence in UAE banking.

Role Overview:

To develop and execute differentiated value propositions for Business Banking customer segments by leveraging customer insights, analytics and market intelligence, supporting segment strategy and portfolio initiatives and collaborating with internal and external stakeholders in order to drive customer acquisition, engagement, portfolio growth and profitability in alignment with Business Banking strategic objectives

In this role, your key responsibilities include:

• Develop and support the implementation of Business Banking segment strategies by analysing customer needs, market trends and competitor positioning in order to define differentiated and commercially viable customer segment value propositions
• Translate customer insights, analytics and market intelligence into structured segment strategies and proposition frameworks that drive customer acquisition, strengthen portfolio composition and support delivery of Business Banking growth and profitability objectives
• Design and continuously enhance differentiated value propositions across Business Banking segments by defining product, pricing, service and experience components aligned to customer needs and market dynamics
• Lead the development of proposition initiatives and business cases, ensuring alignment with internal and external stakeholders and supporting execution of strategies that improve customer engagement, competitiveness and portfolio performance
• Analyse customer data, portfolio performance metrics and external market intelligence to identify trends, opportunities and risks impacting segment performance
• Leverage analytics-driven insights to refine segmentation, optimise targeting and identify cross-sell and growth opportunities in order to enhance customer value, improve penetration and contribute to sustainable portfolio growth and profitability
• Develop and coordinate the execution of acquisition, activation and retention initiatives aligned with Business Banking segment strategies and value propositions
• Collaborate with internal stakeholders to ensure campaigns are insight-led and aligned with customer needs, enabling increased customer acquisition, improved engagement and measurable growth in portfolio contribution and segment performance
• Coordinate with Product, Risk, Analytics and other internal and external stakeholders to ensure customer segment requirements are effectively embedded within product design, pricing and delivery frameworks
• Drive alignment between value propositions and product capabilities to ensure consistent, differentiated customer experiences and to support delivery of business, risk and commercial objectives
• Monitor segment performance against defined financial, customer and portfolio indicators to assess the effectiveness of strategies and initiatives
• Develop structured reporting and insights to support performance visibility, enable decision-making and drive continuous optimisation of segment outcomes
• Manage self and team in line with ADCB’s people management policies, procedures, processes and practices to ensure adherence and to maximise own and employee contribution to business performance
• Manage the effective achievement of the team’s objectives through setting individual objectives, managing performance, developing the team and providing formal and informal feedback to maximise overall performance, engagement and motivation

The ideal candidate should have the following experience:

• At least 8 years of experience in Banking or Financial Services with exposure to Business Banking Segment Value Proposition, product management or analytics
• Bachelor’s Degree in Business Administration, Finance, Economics, Marketing or related discipline
• Business Banking Segment Strategy
• Customer Value Proposition Design
• Customer Analytics and Data Interpretation
• Market Research and Competitive Analysis
• Product and Pricing Knowledge
• Stakeholder and Relationship Management
• Team Leadership and Performance Management

What we offer:

• Competitive Salary. The indicative salary range for this role is between AED 47,500 - 60,000. In addition, all employees are eligible to participate in one of our rewarding variable pay plans.
• Comprehensive Benefits Package: This includes market-leading medical insurance, group life and personal accident insurance, paid leave and leave airfare, employee preferential rates on loans and finance facilities, staff discounts and offers, and children education assistance (for certain job levels).
• Flexible and Remote Working Options: We understand the importance of work-life balance and offer flexible working arrangements, subject to eligibility and job requirements.
• Learning and Development Opportunities: We value and facilitate continuous learning and personal development, through a variety of exciting learning opportunities, such as structured instructor-led courses.