About the Role
The company International Wealth and Premier Banking aims to be the international bank of choice for affluent customers, supporting their domestic and international banking, and holistic wealth management needs. The team is looking for an ambitious UAE National to join as Manager, Product – UAE Unsecured Lending, Wealth and Personal Banking. This role will lead personal loan and overdraft product strategy, providing an opportunity to shape innovative customer propositions while collaborating with senior stakeholders across the bank.
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In this Role, You Will:
- Product Strategy and Lifecycle Management: Own the strategy, proposition, pricing and profitability of unsecured lending products such as personal loans, overdrafts and credit cards throughout their lifecycle. This responsibility includes product design, day-to-day management, stakeholder engagement, regulatory compliance, audit management, and end-to-end ownership of the product journey. Also, support the launch of the Jaywan scheme credit card (AEP - Al Etihad Payments).
- New Product Development and Launch: Lead feasibility, design, regulatory alignment, technology delivery, testing and successful launch of new unsecured lending products.
- Commercial Performance and Growth: Develop and implement business strategies to achieve the balance sheet and profitability objectives for unsecured lending products in line with Financial Resource Planning targets, positioning the company among the market leaders within the United Arab Emirates.
- Go-to-Market and Campaign Management: Develop and implement launch, acquisition and promotional campaigns by utilizing market trends, customer insights, and competitor analysis to improve performance.
- Stakeholder and Partner Management: Collaborate closely with Risk, Compliance, Legal, Finance, Technology, Marketing, Distribution, and external partners to deliver product objectives.
- Risk, Compliance and Operational Controls: Ensure adherence to the company policies and regulatory requirements, including KYC/AML, risk assessments, audit actions, regulatory submissions and effective customer outcomes.
- Value Streams and Agile Ways of Working: Adopt efficient delivery methods and process streamlining for both clients and frontline colleagues.
To Be Successful in This Role, You Should Meet the Following Requirements:
- Extensive experience in product management, including new product launches, analytics, process reengineering, lending system development/changes and customer journey mapping.
- Understanding of the UAE retail financial services market, competitive environment and regulatory developments.
- Proven ability to coordinate complex projects and manage diverse internal and external stakeholders.
- Strong commercial, analytical and data-driven decision-making skills, with the ability to work independently and deliver results using tools such as Excel, Word, and PowerPoint.
- Knowledge and experience of risk management across various risk categories – credit risk, operational risk, conduct risk, regulatory compliance risk, financial crime compliance risk, legal risk, etc.
- Strong influencing, communication and stakeholder management skills.
- A consultative approach to decision making.
- A full-time graduation degree of at least three years is essential for obtaining a UAE visa and work permit. For degrees obtained outside the UAE, valid attestations and equivalency are also mandatory.
You’ll Achieve More at the company
The company is committed to building a culture where all employees are valued, respected, and their opinions count. The bank provides a workplace that fosters continuous professional development, flexible working, and opportunities to grow within an inclusive and diverse environment. Diversity is valued as it brings benefits for customers, the business, and employees, helping to innovate, manage risk, and grow sustainably.
