Head of Products and Value Proposition - Business Banking

RoleHead of Products and Value Proposition - Business BankingLocationDubaiRole PurposeDevelop products strategy and commercialization of business banking solutions that focus on SME customers needs while optimizing the revenue, cost savings and customer experience initiatives. In addition to leading the articulation and execution of segmentation value propositions, pricing and go-to-market plans. The role encompasses the following:Strategy development, improvement and implementationProduct development and value proposition enhancementSegment management and commercializationCross‑Selling & product penetrationDigital transformationCollaboration with fintech and ecosystem partnersAdoption of emerging technologiesContinuous innovationCustomer experience enhancementsTraining and sales supportHead of Products and Value Proposition is accountable for managing the full product lifecycle while ensuring that the products are offered in harmony with effective and efficient customers journey which require thought leadership in partnership with BBD GTB Channels ITD Operations Marketing Sharia Compliance ICD Vendors Government Entities etc.Key MetricsRevenue: BBD top line revenue across all product lines (NRFF and Fee Income)Development: Manage system changes and projects of BBDCommercialization: Define business opportunities and provide sales support deliverablesMigration to digital channels: Increase ADIB Direct customers utilization and increase digital onboardingKey Accountabilities of the roleStrategy Development Improvement and ImplementationDevelop the strategic vision and aspirations as well as drive strategic imperatives.Identify, analyze and prioritize growth opportunities for the business.Define, drive and monitor the strategic projects portfolio.Monitor progress against priorities and recommend any required shifts in the strategy.Analyze segments, sales and channels performance in order to develop new or fine‑tune existing segment strategies.Product Development and Value Proposition EnhancementManage and enhance pricing and offerings of business liabilities & cash fees (across BBD segments) business finance products (under SBF/Tier 0 - excluding GTB products) to ensure they compete effectively.Own and develop the range of products offered to business banking customers via alternative channels.Conceptualize new product ideas and evaluate them objectively from a market and financial standpoint.Working closely with BBD to explore, identify and qualify/quantify new solutions that could materially impact positively Business Banking customers based on eligibility and proper segmentation.Develop and drive specific commercialization activities creating tools to support Business Banking sales effort.Develop frameworks, processes and models to support the activities of the BBD strategies.Segment Management and CommercializationAnalyze markets and products to identify business opportunities and generate new business ideas.Amplify ADIB Business value proposition and visibility through campaigns and promotions and propose media campaigns and promotions for increased sales.Initiate the B2B Marketing initiatives of Business Banking including communications, digital marketing campaigns, ATL marketing campaigns, webinars, events and PR activities.Ensure that all campaigns are well aligned to the Business Banking customer segments and marketing strategies.Ensure adequate product visibility and manage the media planning and liaison with central marketing dept.Promote product awareness via appropriate external and internal communication, training and marketing collaterals.Continuously track market trends and identify customer needs and build profitable proposition to address the segment needs.Ensure customer insights are utilized effectively to build strategic and tactical direction of the product strategy.Recommend pricing and charges based on market analysis while ensuring it is consistent with the product strategy.Drive Continuous InnovationFoster culture of innovation by encouraging cross‑functional collaboration and agile methodologies to accelerate the delivery of impactful digital solutions.Stay ahead of evolving market trends, regulatory requirements and customer expectations to ensure Business Banking proposition remains competitive and future‑ready.Enhance Customer ExperienceFocus on delivering customer‑centric onboarding experiences that cater to the unique needs of SME clients.Implement feedback loops and continuous improvement mechanisms to adapt products and services to evolving customer demands.Training and Sales SupportProvide regular product training to Business Banking front‑liners, RMs and Sales.Communicate product delivery, channel updates ensuring clear understanding of product capabilities across various customer touch‑points including sales, relationship managers, implementation etc.Enhance Cross‑Selling & Product PenetrationDevelop and implement data‑driven cross‑selling strategies to increase product pen