Product Manager Business Banking

• Research and Development of Retail lending products for core SME business to diversify revenue stream (Auto Loans, Personal Loans, Mortgages, MOD, Lifestyle Financing, Commercial Loans, etc)
• To gather market information on periodic basis to effectively build business intelligence for the bank
• Ensure good quality growth in earnings through focused penetration of target segments with optimal risk propositions

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Coordinate and monitor marketing budgets, campaigns/ promotions and product developments initiatives, while jointly own overall product and segment profitability for all markets

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Monitors and controls marketing budgets, campaigns /promotions & business development initiatives while jointly own overall product and segment profitability for all markets

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Development, coordination and implementation of the marketing strategy and communication platform to support business and the overall mashreq brand architecture and business goals

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Ensure development of new, innovative lending and business propositions as per needs of the identified market and segments

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Enhance penetration, profitability and retention by providing valuable data and MIS to product/ Segment Managers, Sales Management, Marketing Communications, Retail Credit Centre, Customer / Market Research, Operations to ensure optimal risk return and control parameters

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Carry out ongoing competitor intelligence and accordingly ensure suitable actions and / or provide suitable guideline to enhance product pricing.

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Work closely with the process & systems teams to ensure that the same are suitably geared to meet the ongoing business & market requirements for products & services

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Work closely with product & delivery channel partners via Osool, marketing unit as also with Branches to develop effective referral and cross-sell channels

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Ensure ongoing macro-economic reality checks and course corrects, if and as required

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Work closely within the unit to ensure the business gets a favorable rating from internal and external auditors

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Ensure control requirement of the business are adhered to in line with Bank policies to ensure good quality growth in assets, transactions and earnings

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Overall marketing process management, portfolio management and generation of detailed & segmented MIS carrying out appropriate analytics to ensure ongoing guidanc4e and product training to the sales teams.