Job description

Loan book growth, portfolio profitability and risk-adjusted returns are the targets for ADCB's Business Banking lending products, and this Executive Manager owns the portfolio that has to hit them. Sitting within the Retail Banking Group, the position turns Business Banking product direction into lending product plans, priorities and roadmaps. Every product goes through a full lifecycle under your control, from development and approval to launch, monitoring, enhancement and rationalisation. Pricing, structural and portfolio actions follow from ongoing performance reviews, always within agreed financial parameters. Eligibility parameters and controls must fit approved risk appetite, credit policy and regulatory requirements. Sales and relationship teams rely on you for product expertise, pricing guidance and training that lift lending penetration. Lending journeys and operating processes also need simplifying and digitising alongside Technology and Operations. A team reports to you, with objectives, performance management and development all part of the brief. Candidates need at least 8 years in Banking or Financial Services with exposure to Business Banking lending, product management, portfolio management or credit, plus a relevant Bachelor's Degree.