Head of Cards- Credit/Lending

Company : Paytech Nexus Ltd

Job Type : Full Time

Dubai

Number of Applicants

000+

Apply Now

Let AI Supercharge Your Job Hunt!

JobCopilot scans 500,000+ company career sites daily to find jobs for you

Never miss an opportunity Save hours by auto-filling applications forms Land more interviews with tailored applications

Activate JobCopilot

Job Description - Head of Cards- Credit/Lending

About the job Head of Cards- Credit/Lending

JOB TITLE: Head of Credit / Lending

TERM: 12 months

CLIENT LOCATION: Dubai, UAE

DIVISION: Consumer

REPORTS TO: Group CEO

RELEVANT EXPERIENCE: Minimum 15 years in retail banking, with 8+ years of credit card business leadership. Proven success in launching and scaling card portfolios in the Middle East.

MANDATORY REQUIREMENTS**:

Deep expertise in credit card product lifecycle management
Experience launching standalone or co- branded card programmes
Familiarity with GCC regulatory frameworks (e.g. UAE Central Bank)
Strong leadership and stakeholder management skills
Fluent in English; Arabic is a plus

PURPOSE OF THE PROJECT

To lead the strategic setup and operational launch of a new, independent credit card business. The role will define the product vision, build and lead the team, ensure regulatory compliance, and drive market penetration and profitability.

Key Activities

Core Responsibilities and Accountabilities

Strategic Leadership: Shape the credit card business model, aligning with the banks broader retail strategy and segment-specific goals (mass, affluent, SME).
Product Development: Design and launch a suite of credit card products with differentiated value propositions, including digital-first and premium offerings.
Risk & Compliance: Establish robust credit risk frameworks, underwriting policies, and ensure adherence to local and international regulations.
P&L Ownership: Manage the full P&L of the credit card business, including revenue, cost, and profitability levers.
Team Building: Recruit, structure, and mentor a high-performing team across product, analytics, operations, and sales.
Stakeholder Engagement: Collaborate with internal and external stakeholders including regulators, fintechs, payment networks, and loyalty partners.
Innovation & Digitalisation: Leverage AI/ML tools for credit scoring, fraud detection, and personalised offers. Drive digital onboarding and omnichannel customer experiences.
Regional Coordination: Align with regional hubs and support regional product innovation and compliance.
Vendor & Partner Management: Oversee selection and integration of processing platforms, loyalty engines, and collections partners etc

KPIs

Time-to-market for product launch
Customer acquisition and activation rates
Portfolio profitability (NIM, fee income, cost of risk)
Credit loss ratios and delinquency metrics
Digital origination and usage rates
Customer satisfaction and NPS

Knowledge and Experience

15years + in Cards Management with 8years + in a Head Of/EVP level
Education: Bachelor's degree in finance, Economics, Business, or related field. A Masters degree (e.g., MBA or MSc in Finance) is highly preferred
End-to-End Cards Expertise: Proven experience managing the full lifecycle of card products credit, and virtual including issuing and acquiring businesses.
Strategic Market Insight: Deep understanding of regional and global cards market trends, including competitor analysis, pricing strategies, and product positioning
Digital Channel Integration: Demonstrated ability to leverage digital platforms (e.g. mobile banking, internet banking, e-wallets) to drive card acquisition, activation, and usage
E-commerce & Omni-Channel Fluency: Strong grasp of e-commerce ecosystems and omni-channel strategies to enhance customer experience and card penetration
Product Innovation & Development: Track record of launching differentiated card products and value propositions tailored to mass, affluent, and SME segments.
Risk & Compliance Acumen: Familiarity with credit risk frameworks, fraud prevention, and regulatory compliance across GCC jurisdictions.
P&L Ownership: Experience managing the cards business P&L, including budgeting, forecasting, and profitability optimisation.
Customer Lifecycle Management: Expertise in designing and executing activation, usage, rewards, and retention programmes to boost engagement and reduce churn.
Cross-Functional Leadership: Ability to collaborate with IT, operations, marketing, and third-party vendors to deliver seamless card experiences.

Mandatory Skills**

Strategic planning and execution
Product innovation and lifecycle management
Credit risk and portfolio analytics
Regulatory compliance and governance
Cross-functional leadership and communication
Agile project delivery and digital transformation

Original job Head of Cards- Credit/Lending posted on GrabJobs ©. To flag any issues with this job please use the Report Job button on GrabJobs.

Apply Now

Auto-Apply to Similar Jobs

Share Job

Get your Resume Reviewed for Free

Automate Job Applications for Similar Jobs

Auto-Apply to Head of Cards Jobs with your AI JobCopilot

Auto-Apply with AI

Similar Head of Cards Jobs in the UAE

Get your Resume Reviewed for Free

Email address

Why are you reporting this job?

I think it’s a discriminatory or offensive

I think it’s fraudulent or a scam

I think it’s trying to sell something unrelated to the job / it’s asking for money

I think it contains incorrect or broken information

Other

All Job Ads are subject to GrabJobs’s Terms of Service. We allow users to flag postings that may be in violation of those terms. Job Ads may also be flagged by GrabJobs moderation team. However, no moderation system is perfect, and flagging a posting does not ensure that it will be removed.

Setup your job alert:

Frequency

By activating job alerts, I agree to GrabJobs Terms & Privacy Policy. I can unsubscribe to job alerts anytime. Skip

Head of Cards- Credit/Lending

Job Description - Head of Cards- Credit/Lending

Similar Head of Cards Jobs in the UAE

Mobile Apps