About the Role
The Manager, Unsecured Lending owns the end-to-end strategy, development, delivery and profitability of the company's unsecured personal loan portfolio. The role drives growth, pricing, customer propositions and go-to-market plans while ensuring regulatory compliance, effective risk management, operational efficiency and collaboration across business and support functions.
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Responsibilities
In this role, you will:
- Develop and implement the Personal Loan strategy to deliver balance sheet, revenue and profitability targets in line with the Annual Operating Plan.
- Own the product lifecycle, from market research and business case development through launch, monitoring and review.
- Manage pricing, portfolio mix and campaigns to drive growth, customer adoption, attrition management and sustainable returns.
- Coordinate cross-functional delivery with Marketing, Distribution, Information Technology, Finance, Risk, Compliance, Legal and Operations.
- Improve customer experience through simple processes, customer-focused propositions, digitization of product onboarding and servicing customer journeys and resolution of the root causes of complaints.
- Maintain strong governance and controls, ensuring compliance with the company's standards, United Arab Emirates regulations, Fair Value Exchange, Value for Money and Treat the Customer Fairly principles.
Requirements
To be successful in the role, you should meet the following requirements:
- Extensive experience in personal loan product management, including product strategy and portfolio management.
- At least five years of relevant product management experience, ideally supported by a graduate-level business, finance or economics qualification.
- Strong analytical, commercial and financial skills, including pricing optimisation, profitability analysis, attrition management and data-driven decision-making.
- Detailed knowledge of the United Arab Emirates retail financial services market, particularly consumer lending regulations affecting personal loans.
- Strong stakeholder management and project coordination skills, with the ability to work across complex, multi-functional teams.
- Knowledge of risk, compliance and operational controls, including customer due diligence, anti-money laundering requirements, internal controls and the company's Group standards.
- 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.
Benefits
The company is committed to building a culture where all employees are valued, respected and opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working and opportunities to grow within an inclusive and diverse environment. We believe diversity brings benefits for our customers, our business and our people. Different ideas and perspectives help us innovate, manage risk and grow the business in a sustainable way.
