Associate Vice President – Product Manager, Secured Assets

National Bank of Ras Al-Khaimah PJSC; United Arab Emirates; On-site; AED 200,000 - 300,000; Full time

Job summary

A leading financial institution in the UAE seeks an Associate Vice President – Secured Assets Product Manager. The role involves developing product strategies for mortgages, driving digital transformation, and ensuring compliance with regulations. Candidates should have 5–7 years of experience in retail banking and a strong understanding of the UAE mortgage market. This position offers a key role in shaping product offerings and enhancing customer experiences.

Qualifications

• 5–7 years of experience in retail banking, ideally in UAE mortgage sector.
• Proven experience managing regulated products and navigating banking compliance.
• Strong understanding of UAE mortgage market dynamics.

Responsibilities

• Develop and execute product roadmap for secured assets, focused on mortgages.
• Define pricing strategies and lead campaigns to optimize profitability.
• Spearhead digital initiatives to improve customer experience.

Skills

Product strategy development

Cross-functional collaboration

Regulatory compliance

Customer experience enhancement

Digital transformation initiatives

Education

University degree

Job description

As an Associate Vice President – Secured Assets Product Manager, you will report to the Head of Secured Products, this role collaborates extensively with cross-functional teams including Risk, Credit, Marketing, Sales, Technology, and Compliance to drive the strategic development and lifecycle management of secured products—primarily mortgages. The AVP will play a pivotal role in shaping product strategy, enhancing customer experience, and ensuring regulatory alignment.

What You’ll Be Doing

• Product Strategy & Roadmap: Develop and execute a forward-looking product roadmap for secured assets, aligned with customer needs, market trends, and regulatory frameworks. Support the Head of Secured Products in building strategies for mortgage and auto products to drive growth and market leadership.
• Pricing, Credit & Marketing: Define competitive pricing strategies and lead campaigns to optimize profitability and sales. Partner with Marketing to deliver impactful acquisition campaigns.
• Digital Transformation: Spearhead digital initiatives to streamline processes, enhance customer and employee experience, and implement automation to improve turnaround times and increase straight-through processing.
• Sales Enablement: Work closely with in-house sales teams to drive mortgage acquisition, provide product training, and gather feedback to refine offerings and improve conversion rates.
• External Partnerships: Establish and manage strategic alliances with developers, brokers, and fintechs to expand market reach and strengthen the mortgage ecosystem.
• Portfolio & Customer Management: Monitor portfolio performance, optimize for growth and risk-adjusted returns, and lead retention and cross-sell initiatives to enhance customer lifetime value.
• Governance & Risk Management: Ensure full compliance with UAE Central Bank regulations and internal policies. Own the RCSA for secured products and proactively identify and mitigate product and operational risks.

What We’re Looking For

• Education: University degree
• Experience: 5–7 years of experience in retail banking, preferably within the UAE mortgage sector. Proven experience managing regulated products and navigating banking compliance requirements.
• Industry Exposure: Strong understanding of UAE mortgage market dynamics. Familiarity with digital banking trends and customer-centric product development