Commercial Card Business Development Consultant

Position Overview:
We are seeking a highly experienced Commercial Card Business Development Consultant to drive the growth of commercial card proposition, with a primary focus on the roll-out, launch, and ongoing optimization of commercial card solutions within the Kuwait market. This role requires expertise in commercial payments, a strategic approach to solution-based selling, and the ability to collaborate effectively across internal and external stakeholders to deliver business results in a matrix environment.

Location:
Oman

Key Responsibilities:
1. Strategic Business Development
Evaluate all business development aspects related to commercial card growth, including target market segmentation, product and process alignment, product features and construct, internal regulatory requirements, and (optionally) credit policy/underwriting processes. Define and assess the commercial card value proposition by analyzing market opportunities, segmenting client needs, and ensuring offerings maintain a long-term competitive position. Identify and pursue new sales opportunities across Corporate and SME verticals to drive commercial program sales volumes. Support tenders and optimize existing card programs for Corporate and Purchasing card portfolios.

2. Project Implementation & Support
Develop and deliver guidelines for the launch, roll-out, and implementation of commercial card solutions with issuer in Oman Scope and recommend required business process flows to support the programs successful deployment. Work closely with internal and external client partners to drive successful project outcomes.

3. Acquisition & Penetration
Leverage available distribution networks to maximize acquisition results, ensuring high EMOB ratio. Drive quality account acquisition within both the banked and non-banked customer base, focusing on penetration in existing business and commercial banking segments. Develop and execute segmentation and distribution strategies tailored to industry verticals and diverse customer requirements.

4. Program Optimization & Growth
Drive greater spend growth across the clients existing corporate card facilities. Support the refresh and optimization of card offerings to meet evolving customer needs and attract new business. Increase card activation rates, expand card usage into new spend categories, and improve key performance indicators such as spend per card, average transaction value, and POS vs. ATM usage.

5. Customer Lifecycle Management
Oversee the end-to-end fulfillment process, including onboarding, card personalization, distribution, and activation. Implement strategies to foster strong, profitable customer relationships and minimize attrition.

Required Skills & Experience:
Proven expertise in commercial payments or related B2B industries, preferably with experience launching and scaling commercial card programs. Demonstrated success in strategic, solutions-based selling to executive-level decision makers. Strong analytical skills with the ability to evaluate market opportunities, segment customers, and align products to business needs. Exceptional collaboration, communication, and influencing skills in a matrix environment. Experience managing product launches and business process optimization initiatives.

Desired Qualifications:
Bachelors degree in Business, Finance, or related field; MBA or relevant advanced degree preferred. Familiarity with commercial card solutions and regulatory/compliance requirements in the financial sector.

Working Relationships:
Reports directly to the Head of Business Development/Commercial Cards. Works cross-functionally with Product, Compliance, Risk, Operations, and external partners.