Product Strategy & Development
Portfolio optimization
- Monitor and manage product-level profitability, including margins and fee income,
- Prepare financial forecasts and performance analyses to optimize pricing strategies and interest/profit rate structures
Customer Experience & Engagement
Enhance Customer Value Proposition (CVP)
Risk & Compliance Oversight
- Ensure deposit products comply with regulatory requirements and internal policies
- Manage operational, financial, and model risks associated with deposit products
Market & Competitive Analysis
- Conduct ongoing research to benchmark against competitors.
- Adjust product features or pricing in response to market shifts
Launch of Segmental CVPs
Launch Retailers, Freelancers, Schools, Software house, Agri, Women entrepreneurs CVPs
Ownership of liability products to support sub segmental CVPs
Driving customer growth through engagement
Handhold consumer journey from acquisition to retention and growth
Develop and execute lifecycle strategies to increase engagement, stickiness and extend customer lifetime value through loyalty programs, behavior driving tactical campaign, community banking
Monitor customer behavior and usage patterns to trigger timely interventions with timely upsell and win-back campaigns
Collaborate with analytics to develop segmental propensity models around attrition and deepening
Roll out rules for automating personalize lifecycle communications
Data-driven decision-making: Use analytics to inform strategies and measure impact
Cross-Sell Strategy and Deepening
- Enhance PPC engaging customers to adopt additional products such as booking, payroll, saving spaces, lending etc.
- Identify cross-sell opportunities using data analytics and customer insights
- Develop bundled offerings or incentives to encourage multi-product adoption
- Ensure effective digital cross-selling as per the customer behavior and needs
- Track cross-sell performance metrics and optimize campaigns based on results
- Ensure a seamless digital experience for new products crossell
Cross-Functional Collaboration
Work with IT, operations, compliance, legal, and marketing to launch and maintain products.
Lead cross-functional teams to implement product changes or new initiatives
Bachelor's degree in business, finance, marketing, or a related field. An MBA or other relevant postgraduate degree is preferred.
Minimum 8 years of product, portfolio and lifecycle management
Excellent negotiation, communication, and interpersonal skills, with the ability to work collaboratively with external partners and cross-functional teams.
Strong analytical and problem-solving skills, with the ability to make data-driven decisions.
In-depth knowledge of digital banking trends, technologies, and customer behaviors
Knowledge of regulatory requirements and industry best practices
Ability to work in a fast-paced, dynamic environment with a high degree of flexibility and adaptability
Job details are sourced from the employer's original posting.
Open job postingAbout the company
Mashreq Bank is a leading financial institution in the UAE, offering a wide range of banking and financial services.