Associate Vice President - Mortgage Aggregation

Yubi; Dubai; On-site; AED 250,000 - 350,000; Full time

Job summary

Yubi is seeking an Associate Vice President for the Mortgage Aggregation Channel in Dubai, UAE. This role involves driving mortgage volumes through strategic partnerships with third-party aggregator platforms and managing the end-to-end sales funnel for mortgages.

The ideal candidate has 10-12 years of sales experience, including 3-5 years in the mortgage aggregation business. Strong negotiation abilities and knowledge of UAE mortgage regulations are essential. This position offers an opportunity to shape the mortgage market in the UAE.

Qualifications

• 10-12 years of overall sales experience.
• 3-5 years in mortgage aggregation business.
• Strong command of mortgage underwriting credit analysis frameworks.

Responsibilities

• Drive mortgage volumes through partnerships with aggregator platforms.
• Cultivate and maintain relationships with senior-level teams.
• Own the end-to-end sales funnel for mortgages.

Skills

Platform Sales

FinTech Sales

Client Acquisition

Education

MBA

Masters/Bachelors

CA

Job description

Associate Vice President, Mortgage Aggregation Channel – Yubi, Dubai, UAE

About the Role

The Associate Vice President Mortgage Aggregation Channel is responsible for driving mortgage volumes through strategic partnerships with third‑party mortgage aggregator platforms that consolidate multiple lenders for mortgage brokers. The AVP serves as the primary interface between Yubi and its aggregator network, ensuring the institution’s mortgage products are well positioned, prioritised and effectively distributed to end customers across the UAE.

Core Responsibilities

Channel Strategy & Growth: Develop and execute a channel roadmap to meet business volume targets, including identifying, evaluating and onboarding new aggregator partnerships to expand distribution reach across key UAE markets including Dubai, Abu Dhabi and the Northern Emirates.

Relationship Management: Cultivate and sustain senior‑level relationships with leadership teams at mortgage aggregator firms and large broker groups operating in the UAE, acting as a trusted long‑term partner rather than a transactional contact.

Sales & Pipeline Management: Own the end‑to‑end sales funnel from lead generation and application submission through to final mortgage disbursal while maintaining visibility over key performance metrics including conversion rates and turnaround time (TAT) in line with UAE Central Bank guidelines.

Partner Enablement: Equip aggregator partners with the tools they need to succeed: pitch materials, product FAQs, training programs and ongoing support, ensuring broker networks can confidently sell Yubi’s mortgage products to both UAE nationals and expatriate buyers.

Risk & Compliance: Monitor application quality across the channel to ensure adherence to credit policies and UAE Central Bank mortgage regulations, including loan‑to‑value (LTV) caps and debt‑burden‑ratio (DBR) requirements, proactively identifying and mitigating delinquency or compliance risks.

Market Intelligence: Gather and synthesize field insights on competitor pricing, product features and market trends across the UAE property and mortgage landscape, channelling this feedback to internal product and strategy committees to sharpen Yubi’s market positioning.

Qualifications & Experience

• Education: Bachelors/Masters/MBA.
• Experience: Overall sales experience of 10–12 years with a minimum of 3–5 years in mortgage aggregation business, with a demonstrated track record in channel or distribution‑led growth within the UAE or broader GCC market.
• Technical Knowledge: Strong command of mortgage underwriting credit analysis frameworks (the 4 Cs: Cash, Credit, Capacity and Collateral), UAE Central Bank regulations and RERA guidelines where applicable.
• Leadership & Soft Skills: Proven negotiation ability, stakeholder management acumen and communication skills to navigate complex multi‑party commercial relationships, with experience working across the UAE’s diverse multicultural business environment.
• Additional: Familiarity with the UAE’s freehold and leasehold property landscape and an understanding of mortgage accessibility for both UAE nationals and the expatriate segment is a strong advantage.

Required Skills

Platform Sales, FinTech Sales, Client Acquisition

Required Education

MBA, Masters/Bachelors, CA