Job description

The role leads the strategy, P&L, and end-to-end ownership of the retail lending portfolio including personal loans, auto loans, and overdrafts for Emirates NBD. It oversees product lifecycle management across design, pricing, policies, enhancements, and retirement while ensuring digital-first, STP-enabled journeys across mobile, online, branches, and call centre channels. It includes building and managing ecosystem partnerships with payroll partners, auto dealers, aggregators, marketplaces, and fintechs, leveraging embedded finance and open finance capabilities such as consent-based data sharing, alternative data, account aggregation, instant income verification, and external account access. Responsibilities include integrating partners via APIs in collaboration with Technology, Digital, and Operations, improving frictionless onboarding, decisioning, and disbursal. The role also covers risk, compliance, and portfolio quality oversight including credit policy alignment, monitoring vintages, delinquencies, and NPLs, driving early warning systems and implementing improvement initiatives. It ensures full regulatory compliance with UAE Central Bank requirements, data privacy laws, and internal policies. Additionally, the role acts as the central owner for these products across Distribution, Digital, Operations, Risk, Finance, and Marketing, presenting plans and performance in governance forums and leading a team of product and partnership managers. Requirements include 10–15+ years of retail banking or consumer lending experience with strong exposure to personal loans, auto loans, and overdrafts, proven P&L ownership with controlled risk delivery, experience in digital lending, embedded finance or open finance API-based propositions, and knowledge of the UAE regulatory environment.