Description

Description

About the role:

This role reports to the SVP - Head of Unsecured Assets within the Retail Banking Division. The AVP will lead the strategic development, digital transformation, and lifecycle management of unsecured lending products, including Personal Loans and Microfinance / Advance Against Salary. The role is focused on driving innovation, pricing strategy, funnel optimization, and risk-reward outcomes, while ensuring compliance and enhancing customer experience.

What You'll Be Doing:

• Support the Head of Unsecured Assets in shaping and executing the unsecured lending strategy.
• Develop a forward-looking roadmap aligned with customer needs, market trends, and regulatory requirements.
• Execute initiatives that drive digital adoption, growth, and profitability.
• Set and manage pricing strategies, credit limits, and pre-approved offers.
• Collaborate with Risk and Credit teams to balance competitiveness with risk appetite.
• Monitor and optimize funnel performance across acquisition, drop-off, and conversion.
• Lead design and rollout of end-to-end digital lending journeys (e.g., STP, automation).
• Partner with analytics teams to implement data-driven improvements.
• Drive commercialization through digital marketing and personalized offers.
• Work with sales and distribution teams to boost product adoption.
• Provide training and insights to enhance sales effectiveness and digital conversion.
• Collaborate with Marketing on integrated campaigns to maximize acquisition and ROI.
• Monitor portfolio performance for growth, yield, and risk-adjusted returns.
• Drive retention, cross-sell, and lifecycle initiatives.
• Enhance digital customer experience, measured by NPS and complaint reduction.
• Ensure compliance with UAE Central Bank regulations and internal policies.
• Own the RCSA for unsecured products.
• Proactively manage product, operational, and fraud risks, internal policies.
• Proactively manage product, operational, and fraud risks.

What we're looking for:

• Bachelor's degree in Business Administration, Finance, Marketing, or related field. MBA preferred.
• 5-7 years in retail banking, ideally with UAE personal loan exposure.
• Proven success in product management, pricing, risk, or digital lending.
• Strong digital orientation and data/analytics capabilities.
• Experience with regulated products and credit frameworks.

Skills

• Customer-Centric Mindset: Passion for digital-first customer journeys.
• Commercial Acumen: Understanding of unsecured lending profitability drivers.
• Digital & Data: Skilled in funnel analytics, A/B testing, and transformation.
• Risk Awareness: Knowledge of credit policy and fraud management.
• Collaboration: Ability to influence across functions.
• Communication: Strong stakeholder engagement.
• Initiative: Proactive and innovation-driven.

Apply Now