Senior Vice President, Head of Product – Unsecured Lending, Retail Banking

Senior Vice President, Head of Product - Unsecured Lending, Retail Banking

Overview:

This role serves as the product leader and P&L owner for personal loans, including microfinance and advance against salary for both expatriates and nationals. The Head of Unsecured Lending Product sets the long-term strategy and roadmap for unsecured lending, driving digital transformation, customer-centricity, and commercialisation of lending journeys. The role is pivotal in balancing growth, risk, and experience to build a profitable, digital-first lending franchise.

Key Responsibilities:

• Strategic Transformation
• Define and own the long-term strategy and roadmap for unsecured lending.
• Champion digital transformation through automation, analytics, and seamless loan journeys.
• Lead product innovation with fast, personalized, and commercially viable propositions.
• Financial Performance
• Own the P&L for unsecured lending, optimizing pricing, credit limits, and pre-approved offers.
• Monitor and improve funnel performance, approval rates, and conversion metrics.
• Drive portfolio optimization through data-driven testing and strategic partnerships.
• Customer Experience
• Deliver transparent and customer-friendly lending journeys across all channels.
• Enhance retention and cross-sell through segmentation and personalized campaigns.
• Embed NPS as a core measure and reduce complaints through rapid resolution.
• Talent & Team Development
• Build and lead a high-performing team with expertise in lending, analytics, and risk.
• Inspire innovation and commercial focus across cross-functional squads.
• Governance & Risk
• Ensure compliance with UAE Central Bank regulations and internal policies.
• Lead governance frameworks (RCSA, audits) and mitigate emerging risks.

Qualifications & Experience:

• Bachelor’s degree in Business, Finance, or related field; MBA preferred.
• 10+ years in retail banking product management with direct P&L ownership.
• Proven success in digitizing loan journeys and embedding automation/analytics.
• Strong expertise in pricing, limits, pre-approvals, and fraud management.
• Knowledge of UAE lending regulations and experience with analytics teams.
• Fluency in English required; Arabic preferred.

Skills & Competencies:

• Technical/Functional Skills:
• Deep knowledge of unsecured lending and risk–reward trade-offs.
• Expertise in funnel management, pricing, and digital ecosystems.
• Skilled in fraud prevention, credit policy, and data-driven decisioning.

Soft Skills:

• Strategic vision with strong commercial acumen.
• Leadership and mentoring capabilities.
• Agility, resilience, and a growth mindset.
• Strong cross-functional influence and stakeholder management.

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