Associate Vice President, Product Manager- Unsecured Lending

National Bank of Ras Al-Khaimah PJSC; United Arab Emirates; On-site; AED 180,000 - 220,000; Full time

Job summary

A leading financial institution in the UAE is seeking an Associate Vice President, Product Manager for Unsecured Lending. This role requires over 5 years of retail banking experience and expertise in product management and digital lending. The candidate will craft the unsecured lending strategy, enhance digital journeys, and manage compliance while driving innovative growth. Join a passionate team and contribute to shaping customer-centric lending solutions.

Qualifications

• 5–7 years of experience in retail banking, preferably with exposure to UAE personal loans.
• Proven track record in product management, risk management, pricing or digital lending.

Responsibilities

• Shape and execute the unsecured lending strategy.
• Develop product roadmap aligned with market trends.
• Lead initiatives for digital adoption and product growth.
• Define pricing strategies and credit frameworks.
• Monitor acquisition funnels and enhance performance.
• Design seamless digital lending journeys.
• Drive commercialization through targeted marketing.
• Manage portfolio performance and retention strategies.
• Ensure regulatory compliance and mitigate risks.

Skills

Product management

Digital lending

Risk management

Pricing strategy

Customer experience design

Education

Bachelor's degree in business administration, Finance, Marketing, or related field

Master's degree or MBA preferred

Job description

About This Role:

As Associate Vice President, Product Manager – Unsecured Lending, you’ll be at the forefront of shaping the future of our Personal Loans and Microfinance (Advance Against Salary) offerings. This is a high-impact role where strategy meets execution—driving innovation across digital lending journeys, pricing and commercial models, funnel performance, and risk-reward optimization.

You’ll ensure our unsecured lending products remain competitive, profitable, and digitally seamless, all while staying fully aligned with UAE Central Bank regulations. Your mission: deliver exceptional customer experiences and unlock growth through smarter, faster, and more intuitive lending solutions.

You’ll report directly to the Vice President & Head of Retail Products and collaborate closely with a tight-knit team of three passionate product professionals—plus our credit division—to bring bold ideas to life and make lending simpler, smarter, and more rewarding.

What You’ll Be Doing:

• Shape and execute the unsecured lending strategy in partnership with the Head of Unsecured Assets.
• Develop a forward-looking product roadmap aligned with customer needs, market trends, and regulatory mandates.
• Lead initiatives to drive digital adoption, product growth, and profitability across unsecured lending.
• Define and implement pricing strategies, credit frameworks, and pre-approved offer policies in collaboration with Risk.
• Monitor and optimize acquisition funnels, drop-offs, and conversion metrics to enhance performance.
• Design and roll out seamless digital lending journeys, leveraging automation and data-driven experimentation.
• Drive commercialization through targeted digital marketing and personalized customer offers.
• Partner with Sales and Marketing to boost product adoption, deliver training, and launch integrated campaigns.
• Manage portfolio performance, customer lifecycle, retention, and cross-sell strategies while enhancing NPS.
• Ensure regulatory compliance, own RCSA, and proactively mitigate product, operational, and fraud risks.

What We’re Looking For:

• Bachelor’s degree in business administration, Finance, Marketing, or a related field, A master’s degree or MBA preferred.
• 5–7 years of experience in retail banking, preferably with exposure to UAE personal loans.
• Proven track record in product management, risk management, pricing or digital lending.