Retail Banking Executive – Credit Cards – Emirates NBD

Emirates NBD is hiring a Retail Banking Executive focused on Credit Cards in the UAE. Emirates NBD is a leading banking group across the Middle East, North Africa and Türkiye, with a presence in 13 countries and more than 9 million customers. The posting points to a risk and control focus for this role, requiring at least two years of experience in risk management and control within banking or financial services, and links it to activity across the wider Emirates NBD Group.

Credit cards are one of the most active and complex retail banking products. They involve high transaction volumes, digital and branch acquisition channels, rewards and fee structures, collections and fraud, and a detailed regulatory framework. A risk and control executive in this area typically helps the business identify, assess and manage operational and compliance risks across the card lifecycle, from application and onboarding through usage, servicing, disputes and closure.

In practice, the job usually involves performing control testing and reviews, monitoring key risk indicators, tracking issues and remediation actions, supporting audit and regulatory reviews, contributing to risk and control self-assessments, and helping the product and operations teams improve processes so that risks are reduced at source. You will work closely with card product, operations, fraud, compliance and technology colleagues, and prepare clear reports for management.

The role suits a risk professional with retail banking experience, ideally around cards or consumer lending, who has a solid grasp of operational risk concepts, attention to detail and the confidence to raise and follow through on issues with business teams.

Credit cards generate significant revenue for retail banks, but they also carry a wide range of risks: fraud, operational errors, mis-selling, billing disputes, data issues and regulatory breaches. Each of these can result in financial losses, customer harm and regulatory penalties. A risk and control executive helps keep these risks in check by testing controls, spotting weaknesses and making sure they are fixed. Proactive monitoring of key risk indicators allows issues to be addressed before they escalate into incidents. Strong controls also improve customer experience, since many customer complaints in cards stem from process failures such as incorrect charges or delayed dispute resolution. Supporting audits and regulatory reviews efficiently helps the bank demonstrate sound management of its card business, protecting its licence and reputation. By working with product and operations teams to improve processes at the source, the role also contributes to efficiency and lower operating costs. For Emirates NBD, effective risk management supports sustainable growth of its cards portfolio.

Risk and control roles in retail banking provide a strong foundation for a career in financial services. Working on credit cards at Emirates NBD exposes you to a high-volume, highly regulated product within one of the region's largest banking groups. You will develop expertise in operational risk frameworks, control testing, issue management and regulatory compliance, skills that are in steady demand across banks, fintechs and consulting firms. The role also gives you a detailed understanding of how a card business operates end to end, which can open paths into card product management, operations leadership or fraud risk. Working with product, operations, fraud, compliance and technology teams builds your communication and influencing skills, essential for progressing into more senior risk roles. Common next steps include senior risk and control officer, operational risk manager, or business risk and control lead positions. Professional certifications in risk management can further strengthen your profile. Emirates NBD's regional presence and scale offer opportunities for growth and mobility within the group over time. For a risk professional who enjoys analytical work and wants to see the practical impact of good controls, this role offers a solid next step and a respected platform for long-term development in banking.

• Bachelor’s degree in finance, business, risk management or a related field
• Minimum two years of experience in risk management and control within banking or financial services
• Understanding of credit card products, operations and customer lifecycle
• Knowledge of operational risk frameworks, RCSA, KRIs and control testing
• Familiarity with UAE Central Bank consumer protection and card-related regulations
• Experience supporting internal audit or regulatory reviews
• Strong analytical skills and proficiency in Excel
• Clear written communication and reporting skills
• Attention to detail and ability to follow issues through to resolution