Commercial SME Portfolio Manager

About the job

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

Purpose of the project

Support the launch and growth of clients' new SME commercial credit card portfolio in the UAE. Drive customer acquisition, activation, and spend through targeted campaigns and operational excellence.

Key activities

Core responsibilities and accountabilities

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 company's assets and tools to enhance product delivery and campaign execution.

KPIs

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

Knowledge and experience

Must-have:

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

Nice-to-have:

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

Mandatory skills

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)