Work closely with Line Manager, to manage the entire portfolio performance and increase the portfolio numbers inline with the budget, Identify and create revenue opportunities, propose new schemes to generate more revenue from existing clients and acquire new clients and also to reduce costs of operation (all verticals of acquiring & Issuing business) through optimisation. Support different verticals of “Line Manager” by giving insights to their business, suggest solutions, automate the processes, provide required data in managing the business and make them profitable.

Report performance status of acquiring & Issuing business unit to management by using analytical rich data with the support of IT/MIS/ Data warehouse teams and develop portals /dashboard to streamline and automate the processes wherever required. Perform data correction & optimisation.

Maintain and Provide profitability of every client at granular level to management and RM/Sales team to help them to take right decisions on acquiring & Issuing and managing the clients. Create/support RM/Sales team to develop proper RFP responses to acquire new clients.

Understand the latest payment products, identify the vendors and work as business owner of the product from development, implementation and overall acceptance. Make sure the new product initiatives are in line with market trends and are executed as per the business plan that helps to grow the acquiring & Issuing portfolio

Provide valuable inputs in preparing the budgets of portfolio.

Mange the resources in getting the required presentations and all types of analytical reports required by the management to understand YoY growth of the portfolio, Trend analysis, Market cap and also to foresee and report the impacts of various products on our customers and to the bank, identifying optimisation opportunities.


Generic Accountability

Work closely with “Line Manager” on portfolio performance, new product initiatives and acquiring & Issuing BAU processes.

Prepare presentations to management. Insight into Analytics.

Support different vertical units under products to achieve the respective function unit targets.

Support Acquiring & Issuing Business Unit to achieve Budgeted numbers.

Job Specific Accountabilities

Portfolio Analysis, Analytics and presentation.

Creation/automation of process’s to reduce TAT on various merchant related aspects.

Preparing policies required for Payments team.

Impact assessment of various fees across the portfolio or specific to any group of merchants.

Top line and Bottom line analytics, YoY growth and any other details required to the management

Specific Accountability

Cost optimisation

Merchant profitability at granular level.

Introduction of new products to offer to merchants

New schemes to improve revenue lines.

Incentive plans from Card schemes to convert cash payments to card payments.

Identify the opportunity and help Sales/RM to cross sell of products.


Minimum Qualification

Master’s degree preferred, with a minimum Bachelor’s degree in Business Administration or related discipline.

Minimum Experience

8 years’ of relevant experience in financial and payments sector with at least 4-5 years in similar positions of progressively increasing managerial responsibilities in the portfolio analysis function.

About First Abu Dhabi Bank (FAB)

FAB, the UAE’s largest bank and one of the world’s largest financial institutions offers a an extensive range of tailor-made solutions, and products and services, to provide a customised banking experience. Through its strategic offerings, it looks to meet the banking needs of customers across the world via its market-leading Corporate and Investment Banking and Personal Banking franchises.

Headquartered in Abu Dhabi, in Khalifa Business Park, the bank’s international network spans over 19 countries, across the world, providing the global relationships, expertise and financial strength to support local, regional and international businesses seeking to do business at home and abroad. In line with its commitment to put customers first, to Grow Stronger, FAB will continually invest in people and technology to create the most customer-friendly banking experience and will support the growth ambitions of its stakeholders across the global network in which the bank operates.

To empower its customers and clients to Grow Stronger, FAB is initiating a powerful movement, which goes beyond banking. The Grow Stronger movement represents the bank’s promise to support its stakeholders’ goals and growth ambitions, providing ideas, tools and expertise to help them become stronger, today and in the future. Through a strong, diversified balance sheet, leading efficiency and a solid corporate governance structure in place, FAB is set to drive growth forward.