About the Role
We are hiring a Head of Personal Finance to lead the Personal Finance (unsecured lending) portfolio for a Retail Banking client. This is a senior leadership role owning the full Personal Finance business — product proposition, portfolio growth, P&L, pricing, customer acquisition, and lifecycle management — with end-to-end accountability for the customer journey from product design and eligibility through credit, fulfilment, servicing, and portfolio performance.
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Key Responsibilities
- Own the Personal Finance P&L — revenue, growth, and profitability targets
- Define and evolve the product proposition and pricing strategy for the Personal Finance portfolio
- Drive customer acquisition strategy across digital and traditional channels
- Own portfolio performance management — asset quality, delinquency, and risk-adjusted returns
- Lead end-to-end journey design: eligibility criteria, credit decisioning, fulfilment, and servicing
- Partner with Credit/Risk on policy design and portfolio risk appetite
- Own lifecycle management — retention, cross-sell, and portfolio optimization
- Ensure regulatory and compliance alignment across the Personal Finance journey
- Lead and develop the Personal Finance team
Requirements
Must-Haves
- 12+ years in Retail Banking, with significant leadership experience specifically in Personal Finance / unsecured lending
- Strong understanding of lending economics, pricing, and credit policy
- Proven experience owning portfolio management and P&L for a lending product
- Experience with digital lending journeys
- Strong grasp of risk and compliance requirements in consumer lending
- Demonstrated leadership in customer acquisition strategy for lending products
Nice-to-Haves
- Experience in a GCC/KSA banking market
- Exposure to digital transformation or fintech partnership initiatives within a bank
- Experience managing cross-functional stakeholders (Credit, Risk, Compliance, Digital, Operations)
Why Join Us
[Client-specific — needs input: growth story, market position, or transformation mandate you want to highlight]
Disclaimer
This is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, or any other protected characteristic.
