Associate Vice President – Product Manager, Unsecured Lending – Retail Banking

Associate Vice President - Product Manager, Unsecured Lending - Retail Banking

Overview:

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 optimisation, and risk–reward outcomes, while ensuring compliance and enhancing customer experience.

Key Responsibilities:

Product Strategy & Roadmap

• 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.

Pricing, Credit & Funnel Management

• 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 optimise funnel performance across acquisition, drop-off, and conversion.

Digital Journeys & Transformation

• 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 commercialisation through digital marketing and personalised offers.

Growth & Distribution

• 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 maximise acquisition and ROI.

Customer & Portfolio Management

• 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.

Governance, Risk & Fraud Management

• Ensure compliance with UAE Central Bank regulations and internal policies.
• Own the RCSA for unsecured products.
• Proactively manage product, operational, and fraud risks.

Qualifications & Experience:

• 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 & Competencies:

• 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.

What’s In It For You?

• Competitive, performance-linked compensation
• Medical coverage for you and your family
• Comprehensive life insurance
• Inclusive and diverse workplace culture
• Career development and fast-track growth opportunities
• Mentorship from seasoned audit professionals