About The Role

Define and deliver the digital lending vision, roadmap, and strategic priorities.
Drive digital growth across Personal Loans, Mortgages, and Auto Finance products.
Own product performance, customer outcomes, and commercial success across lending journeys.
Align digital product strategy with broader retail banking and business objectives.

Lead the design and optimization of end-to-end lending customer journeys using Human-Centred Design principles.
Identify customer pain points, drop-offs, and friction areas through analytics and customer feedback.
Improve customer acquisition, conversion, journey completion rates, and overall satisfaction.
Deliver seamless, intuitive, and market-leading digital experiences.

Benchmark lending journeys against leading local and international financial institutions and fintechs.
Monitor market developments, technology trends, and emerging customer behaviours.
Identify innovation opportunities and implement solutions that enhance customer outcomes.
Ensure products remain competitive, compliant, and differentiated.

Lead a cross-functional digital squad including Product, Technology, Design, Data, Testing, and Delivery teams.
Own backlog prioritization, sprint planning, and product release decisions.
Foster a culture of collaboration, innovation, continuous improvement, and customer obsession.
Deliver strategic initiatives on time, within budget, and aligned to business objectives.

Define and monitor KPIs covering customer experience, conversion, adoption, straight-through processing, operational efficiency, and revenue growth.
Leverage data and analytics to drive product enhancements and optimize performance.
Track portfolio performance and business benefits delivered through digital initiatives.
Provide regular insights and recommendations to senior stakeholders.

Ensure compliance with Central Bank regulations and internal governance requirements.
Maintain strong controls, audit readiness, and operational risk management frameworks.
Partner closely with Risk, Compliance, Credit, and Operations teams.
Mitigate operational, fraud, technology, and reputational risks across digital lending platforms.

Bachelor's Degree in Business, Finance, Technology, Engineering, or a related discipline.
Master's Degree preferred.

10+ years of experience in Digital Banking, Product Management, Lending, FinTech, or Financial Services.
Minimum 5 years leading digital products, agile squads, or customer journey transformation initiatives.
Proven experience delivering large-scale digital transformation and customer experience programs.

Strong expertise in Retail Lending products and digital lending ecosystems.
Experience managing digital customer journeys, product roadmaps, and agile delivery teams.
Strong understanding of digital banking platforms, APIs, ecosystem integrations, analytics, and customer experience design.
Knowledge of lending operations, credit processes, risk frameworks, and regulatory requirements.

Competitive, performance-linked compensation.
Medical coverage for you and your family.
Comprehensive life insurance.
Opportunity to shape the future of digital lending at one of the UAE's leading banks.
Exposure to enterprise-wide digital transformation initiatives.
Collaborative, agile, and innovation-focused working environment.
Career growth opportunities with significant leadership visibility.

Digital Product Management: Proven expertise in building and scaling customer-facing digital products.
Retail Lending Knowledge: Deep understanding of lending products, customer journeys, and lending operations.
Customer Experience Design: Ability to create intuitive, frictionless, and customer-centric journeys.
Agile Leadership: Strong experience leading cross-functional squads and agile product delivery.
Data & Analytics: Ability to leverage customer insights and performance metrics to drive decisions.
Stakeholder Management: Proven ability to influence business, technology, risk, and executive stakeholders.
Innovation Mindset: Passion for continuous improvement, experimentation, and digital transformation.