Commercial SME Portfolio Manager

Job Title: Commercial (SME) Portfolio Manager

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
  
  
  

• 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 companys assets and tools to enhance product delivery and campaign execution.
  
  
  

• 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
  
  
  

• 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
  
  
  

• 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
  
  
  

• 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)