Job description

The role supports the Head of Mortgage in managing the Islamic and Conventional Mortgage Business of FAB with the objective of building a sustainable and profitable asset book. Responsibilities cover developing and implementing business strategies to prudently grow market share, driving long-term profitability through product innovation and competitive value propositions, and controlling lending risks through prudent policies and procedures. It includes leading key business projects to meet strategic objectives, achieving portfolio growth and performance targets, preventing revenue seepage by ensuring accurate linkage of mortgage-related fee and revenue accounts, and maintaining Business Continuity records in alignment with Group Business Continuity Management policies. The position acts as Business Continuity Coordinator, conducting tabletop exercises and ensuring team-wide awareness of the Business Continuity Policy. It requires maintaining and updating the Department’s Risk & Control Self-Assessment by identifying and mitigating known and potential risks and documenting all elements of the Business Model Canvas including partners, activities, resources, value propositions, customer relationships, channels, segments, revenue streams, and cost structures. The role involves reporting on Process, Privacy, Fraud, and Business Continuity risks and controls per Group Operational Risk Management guidelines. Product management responsibilities include enhancing departmental productivity by improving integrated processes and SOPs, reviewing credit parameters and policies, proactively adjusting policies to align with market conditions, and reviewing product pricing to maintain competitiveness. It requires delivering desirable, feasible, viable, and sustainable product solutions, designing and implementing digital mortgage solutions to enhance customer journey, coordinating with digital and core banking system transformations, creating test case scenarios, Business Requirement Documents, and User Acceptance Testing for both new and existing products. The role supports development of new mortgage products for the UAE market, applies customer-centric decision-making, innovates cost-effective solutions, collaborates across functions to understand needs and align solutions with management’s vision, business revenue, market share, product roadmap, and policy frameworks. Responsibilities extend to planning and conducting primary market research, creating personas, storyboards, minimum viable products, mockups, wireframes, explainer videos, and product landing pages through ideation, prototyping, testing, and feedback cycles. Marketing-related duties include reviewing all mortgage communication materials, coordinating with marketing teams to ensure offerings remain current, and tracking marketing and analytics leads with CRM, sales, and stakeholders. People-focused responsibilities involve providing continuous support and training, fostering a respectful and constructive work atmosphere, encouraging brainstorming and collaboration, supporting new joiners, and managing updates to the Mortgage Page on FABConnects to ensure accurate information sharing. External relationship responsibilities include maintaining relationships with developers, dealers, employers, brokers, valuers, and insurers to ensure mutual benefit.