Head – Assets and LiabilitiesEmbark on a journey where your unique contributions are celebrated, and your professional growth is embraced. At AHB, we nurture a diverse, inclusive community where every voice is valued.About the business areaThe 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 Retail Banking team at AHB to work alongside passionate colleagues who share your ambition to redefine excellence in UAE banking. We are actively seeking an ambitious professional to join our Retail Banking team at AHB to work alongside passionate colleagues who share your ambition to redefine excellence in UAE banking.In this role, your key responsibilities include: Sales and Revenue Generation- Lead the execution of strategic and operational business plans, oversee the development of products, brand strategy and sales, and portfolio management in order to generate revenue and achieve targeted business growth. Product Management- Lead and guide the overall remittance, M-SME and Retail lending and liabilities product strategy across all customer segments in order to introduce new features and initiate product enhancement as and when applicable. Lead the identification, evaluation and definition of new and existing remittance, M-SME and Retail lending and liabilities products to suit the underwriting criteria and market needs to ensure continuous development and bundling of products based on the needs and requirements of customers. Lead and guide new product programmes from concept to execution and measure the results of each initiative by closely monitoring the project activities required for the successful completion in order to reach the goals as set out in the strategic plans/business cases. Recommend and provide guidance related to the product mix, portfolio composition and pricing to achieve optimal risk return trade off while ensuring market competitiveness in accordance with the Bank’s strategy and to ensure acquisition of quality business through various distribution channels. Lead the interactions with Marketing Services for product launches to ensure maximum mileage on marketing spend and achieve targeted brand positioning. Portfolio Management- Lead and direct the management of portfolio accounts, monitoring/tracking value/revenue growth, retention and performance, capitalizing on any opportunities to implement new fee or revenue lines and identifying where impactful programmes for AHB customers can be created/implemented in order to improve profitability, increase the digital footprint and achieve targeted business growth. Research and Data Gathering- Monitor market intelligence and gather information on market developments, new projects, competitor activity and potential new customers in order to identify potential market segments and define marketing processes. Strategy and Plans- In conjunction with, and as required by the Chief Executive Officer, contribute to the formulation, implementation and delivery of the Division’s strategy in line with the AHB’s vision, mission, values and priorities. Translate the strategy into operational business plans for the short, medium and long term within the department(s) and ensure that performance is monitored, reported and delivered and necessary actions are taken to achieve the strategy and plans. Leadership- Manage employees and teams by overseeing their performance management, recruitment, learning and development to ensure high levels of engagement, and competence, a motivated work environment and to maximize employee contribution to business performance. Change Management- Drive the management of change in the business area through direct reports and teams by providing inputs for, and partaking in change initiatives, programmes and projects taking into account best practice and standards in the business environment. Financial- Recommend and manage the budget for the business area and monitor financial performance so that the business is aware of anticipated costs and revenues, areas of unsatisfactory performance and improvement opportunities are identified and addressed to ensure the budget is managed in line with requirements. Policies, Processes, Systems and Procedures- Develop and oversee the creation and implementation of the required policies, procedures and controls covering all areas of the business area’s activity so that all relevant procedural/legislative requirements and standards are fulfilled while ensuring that AHB delivers best-in-class services, products and innovation whilst safeguarding the Bank. Customer Service - Demonstrate Our Promise and apply the AHB Service Standards to deliver the Bank’s required levels of service in all internal and external customer interactions.The ideal candidate should have the following experience At least 10 years of experience in Retail Banking including product management with a strong understanding of merchant payment processing and capabilities in the Middle East, similar matured markets or globally with a proven track record of success in start-up businesses or change programmes Bachelor Degree in Finance Leadership skills Understanding of portfolio and product management People management Commercial and analytical skills Networking, interpersonal and influencing skills Presentation skillsWhat we offer: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, a comprehensive e-Learning catalog, on-the-job training and professional development programs.At AHB, we are dedicated to creating a respectful, caring and disciplined work environment that aligns with your career ambitions.