Head - Working Capital and Real Estate Lending

RAKBANK; Dubai; On-site; AED 45,000 - 65,000; Full time

Job summary

RAKBANK is looking for a Head - Working Capital and Real Estate Lending in Dubai. This senior role involves leading product strategy and lifecycle management for SME and commercial lending, ensuring effective risk controls and profitability.

The ideal candidate has a Bachelor's degree and at least 10 years of experience in banking or financial services, along with a strong grasp of product management principles. Join RAKBANK to drive innovation in the Financial Services sector.

Qualifications

• Minimum 10 years of banking or financial services experience.
• At least 5-7 years in product management, preferably in SME banking.
• Strong understanding of the SME banking ecosystem.

Responsibilities

• Develop and own the strategy for Working Capital and Real Estate Lending products.
• Define and execute the product roadmap to support portfolio growth.
• Lead product lifecycle management across lending propositions.

Skills

Working capital lending

Real estate lending

SME banking

Business banking

Commercial lending

Product management

Product strategy

Product lifecycle management

Lending product roadmap

Portfolio management

Education

Bachelor's degree in Finance, Business, Economics, Banking, or a related field

Job description

Job Snapshot

Role: Head – Working Capital and Real Estate Lending

Location: Dubai, United Arab Emirates

Industry: Financial Services

Function: Product Management

Experience: Minimum 10 years banking or financial services experience

Job Type: Full‑time

Position Overview

Head - Working Capital and Real Estate Lending in Dubai, United Arab Emirates is a senior Financial Services product leadership opportunity for an experienced SME banking and lending professional with strong expertise in working capital products, real estate lending, product strategy, portfolio management, pricing, risk optimisation, and commercial banking growth. This role is ideal for a product leader who can shape lending propositions for SME and commercial clients while driving profitability, customer relevance, governance, and sustainable portfolio performance.

Job Details

Country: United Arab Emirates

City: Dubai

Industry: Financial Services

Function: Product Management

Salary: 45000-65000 Estimated salary range based on similar jobs in the job city; please confirm the final offer with the employer.

Gender: Any

Candidate Nationality: Any

Job Type: Full‑time

Role Context

The Head - Working Capital and Real Estate Lending will lead the design, management, and performance of RAKBANK's Business Banking lending product suite. The role covers working capital finance, real estate lending, product lifecycle management, pricing strategy, portfolio reviews, P&L ownership, credit programme alignment, risk controls, digital enablement, and customer‑led innovation. The successful candidate will work closely with the Head of Product - Business Banking and partner with Digital Banking, Credit, Risk, Operations, Compliance, and business teams to deliver lending products that meet market needs and support SME and commercial client growth.

Key Responsibilities

• Develop and own the strategy for Working Capital and Real Estate Lending products within Business Banking.
• Define and execute the product roadmap to support portfolio growth, profitability, and customer relevance.
• Lead product lifecycle management across lending propositions, pricing, features, processes, controls, and performance.
• Conduct regular portfolio reviews to monitor growth, utilisation, pricing effectiveness, profitability, risk performance, and customer behaviour.
• Manage P&L performance for working capital and real estate lending portfolios.
• Develop annual product plans, financial targets, pricing strategies, and portfolio performance objectives.
• Identify new product opportunities based on market trends, customer needs, competitor activity, and SME banking insights.
• Drive digital enablement initiatives to improve lending origination, customer experience, process efficiency, and portfolio scalability.
• Leverage data, customer insights, portfolio analytics, and market intelligence to support product innovation and differentiation.
• Collaborate with Digital Banking, Credit, Risk, Operations, Compliance, Legal, Sales, and Technology teams for product launches and enhancements.
• Ensure lending products are aligned with internal risk appetite, credit policies, regulatory expectations, and governance standards.
• Maintain sound portfolio quality through prudent underwriting standards, early risk identification, and corrective action planning.
• Track product performance and implement corrective actions to improve growth, profitability, customer value, and risk outcomes.
• Support the development and refinement of credit programmes for SME and commercial lending segments.
• Represent the lending product agenda in cross‑functional forums, governance committees, portfolio reviews, and senior stakeholder meetings.
• Lead, mentor, and develop a team of Product Managers and Analysts.
• Build strong stakeholder alignment with business, credit, risk, operations, compliance, and digital teams.
• Promote execution discipline, resilience, innovation, and accountability across the product management function.
• Support RAKBANK's Business Banking strategy by delivering lending propositions that are competitive, compliant, profitable, and scalable.

Ideal Profile

• Bachelor's degree in Finance, Business, Economics, Banking, or a related field.
• Minimum 10 years of banking or financial services experience.
• At least 5-7 years of experience in product management, preferably within SME banking, business banking, commercial lending, or credit products.
• Strong understanding of the SME banking ecosystem and commercial client financing needs.
• Proven experience managing working capital lending, real estate finance, business lending, or related credit products.
• Strong knowledge of product strategy, product lifecycle management, pricing, portfolio performance, and P&L ownership.
• Good understanding of credit programmes, underwriting standards, risk controls, and portfolio quality management.
• Strong financial and commercial acumen with the ability to analyse profitability, pricing, utilisation, and risk‑adjusted returns.
• Proven ability to deliver innovative product solutions and customer‑focused lending propositions.
• Strong regulatory and compliance awareness within banking and financial services.
• Ability to influence senior stakeholders and represent product priorities in governance forums.
• Leadership experience with the ability to manage, coach, and develop Product Managers and Analysts.
• Strong collaboration skills across Credit, Risk, Digital Banking, Operations, Compliance, Sales, and Technology teams.
• Excellent communication, problem‑solving, analytical, and execution skills.
• Resilient and commercially focused approach with the ability to deliver results in a regulated banking environment.

Skills Set

• Working capital lending
• Real estate lending
• SME banking
• Business banking
• Commercial lending
• Product management
• Product strategy
• Product lifecycle management
• Lending product roadmap
• Portfolio management
• P&L management
• Pricing strategy
• Annual product planning
• Product performance tracking
• Portfolio reviews
• Credit programmes
• Credit risk understanding
• Risk optimisation
• Underwriting standards
• Portfolio quality management
• Regulatory compliance
• Banking governance
• Digital enablement
• Lending innovation
• Customer insights
• Data‑driven decision making
• Financial acumen
• Commercial acumen
• SME customer needs
• Cross‑functional collaboration
• Stakeholder management
• Governance committees
• Product launches
• Corrective action planning
• Product differentiation
• Team leadership
• Product analyst management
• Execution excellence
• Strategic planning

Why Join Us

This opportunity is ideal for a Head - Working Capital and Real Estate Lending seeking a senior product leadership role in Dubai's Financial Services sector. The position offers the chance to shape RAKBANK's SME and commercial lending proposition, manage high‑impact lending portfolios, drive digital product innovation, and support sustainable business banking growth.

About the Company

RAKBANK is a leading UAE banking institution serving personal, SME, commercial, corporate, and wealth management customers through a broad range of financial products, lending solutions, digital banking services, and client‑focused support. The bank is committed to innovation, governance, operational resilience, customer service, and sustainable growth. Through its business banking, lending, digital, data, and transformation initiatives, RAKBANK continues to support evolving customer needs and deliver practical financial solutions across the United Arab Emirates.