Lending & Insurance Lead

Emirates Integrated Telecommunications Company PJSC (EITC)

Dubai

On-site

AED 350,000 - 700,000

Full time

7 days ago

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Job summary

Emirates Integrated Telecommunications Company PJSC (EITC) seeks a senior Manager for Lending & Insurance Products to lead end-to-end product strategy, development and delivery across du Pay’s lending and embedded insurance platforms.

You will shape propositions, collaborate with partners, insurers and regulatory teams, and deliver scalable, customer-focused solutions across UAE markets.

Qualifications

Experience in digital lending platforms
Experience in fintech or embedded finance
Understanding of alternative data and credit scoring
Familiarity with decision engines and ML-based credit analytics
Strong relationship management and negotiation capabilities with partners

Responsibilities

Lead product strategy and lifecycle from ideation to launch
Define loan amounts, tenors, pricing and repayment mechanisms with lending partners
Develop embedded insurance journeys and partner ecosystems
Drive data-driven decisioning, credit scoring and risk governance
Manage partnerships with banks, insurers and fintech providers
Ensure customer experience is simple and transparent and compliant

Skills

Product Leadership

Lending & Financial Services

Data & Analytics

Commercial Acumen

Partnerships

Technology

Execution

Communication

Education

Bachelor's degree in Finance/Economics/Business/Tech

MBA preferred

CFA/FRM beneficial

Tools

APIs & integrations

Analytics tools

Job description

Key Accountabilities

Lending and Insurance Product Strategy
- Define du Pay's overall lending and embedded insurance strategy.
- Develop a clear multi-year product vision and roadmap.
- Identify the highest-value lending and insurance opportunities across du Pay's customer base.
- Develop differentiated propositions for different customer segments, including:
  - Blue-collar customers
  - Expatriates
  - UAE nationals
  - Existing du Pay customers
  - New digitally acquired customers
  - Eligible SME and merchant customers
- Identify opportunities to embed financial products directly into existing customer journeys.
- Develop clear build, buy or partner strategies for each product.
- Continuously monitor market trends, customer needs, technology developments and competitive activity
Lending Product Portfolio
- Own the development and evolution of du Pay's lending portfolio, including opportunities such as:
  - Micro-lending
  - Short-term consumer credit
  - Personal lending
  - Salary-linked lending
  - Transaction-based lending
  - Cash-flow-based lending
  - Device financing
  - Embedded financing
  - Buy-now-pay-later and instalment propositions, where strategically appropriate
  - Merchant and SME lending opportunities
  - Other responsible and data-driven lending products
- Key responsibilities will include:
  - Develop product propositions and value propositions.
  - Define eligibility and customer segmentation strategies.
  - Develop product features and customer journeys.
  - Define loan amounts, tenors, pricing principles and repayment mechanisms in collaboration with licensed lending partners.
  - Develop customer acquisition and cross-sell strategies
  - Identify opportunities to improve customer affordability and repayment outcomes.
  - Continuously optimise products based on customer behaviour and portfolio performance
Embedded Insurance Strategy
- Develop du Pay's embedded insurance product strategy and roadmap.
- Identify opportunities to integrate simple and relevant protection products into customer journeys, including:
  - Remittances
  - Payments and financial transactions
  - Lending
  - Device financing
  - Savings
  - Investments
  - Other digital financial products
- Potential product opportunities may include:
  - Device protection
  - Transaction-related protection
  - Loan-related protection
  - Micro-insurance products
  - Personal accident and protection products
  - Travel-related protection
  - Other simple and digitally distributed insurance propositions
- The successful candidate will:
  - Identify relevant insurance use cases.
  - Develop embedded customer journeys.
  - Work with licensed insurance providers and intermediaries.
  - Define product propositions and economics.
  - Ensure a simple and transparent customer experience.
  - Coordinate regulatory, legal and operational requirements.
  - Develop scalable API-based insurance integrations
Data, Credit Scoring and Decisioning
- A central responsibility of this role will be to support the development of du Pay's data-driven lending capability.
- The Manager – Lending & Insurance Products will work closely with Data, Technology, Risk and external partners to:
  - Identify relevant data sources for credit decisioning and customer segmentation.
  - Leverage financial transaction and payment behavior to improve lending propositions.
  - Explore the use of telecommunications and other relevant data sources were permitted by applicable laws, regulations and customer consent requirements.
  - Develop strategies for alternative data and behavioral credit assessment.
  - Partner with leading credit scoring, decision-engine and analytics providers.
  - Support the development and continuous enhancement of predictive models.
  - Improve customer eligibility, approval rates and credit risk outcomes.
  - Identify opportunities to create personalized product offers.
  - Develop appropriate data governance and model monitoring processes
Product Development and Delivery
- Lead the full product lifecycle from idea through launch and optimization.
- Translate customer, commercial and partner requirements into product specifications.
- Prepare product requirements documents, user journeys, user stories and acceptance criteria.
- Define Minimum Viable Products and phased delivery plans.
- Manage the lending and insurance product backlog.
- Work closely with Engineering, Technology, UX, Data and Operations teams.
- Lead product testing and customer acceptance testing.
- Coordinate partner and API integrations.
- Ensure operational readiness before product launch.
- Monitor performance and continuously optimize products.
Strategic Partnerships and Ecosystem Development
- A key element of the role will be the ability to build and manage a strong external ecosystem.
- The Manager – Lending & Insurance Products will identify, evaluate and manage partnerships with:
  - Lending Ecosystem
    - Banks
    - Finance companies
    - Licensed lenders
    - Balance-sheet providers
    - Credit scoring providers
    - Decision-engine providers
    - Credit bureaus and relevant data providers
    - Lending technology platforms
    - Loan servicing and collections providers
    - Fintech infrastructure providers
  - Insurance Ecosystem
    - Insurance companies
    - Licensed insurance intermediaries
    - Insurtech companies
    - Insurance technology providers
    - Embedded insurance platforms
    - Claims and servicing providers
    - The role will:
      - Develop partner selection criteria.
      - Conduct commercial and product evaluations.
      - Support commercial negotiations.
      - Develop partnership business cases.
      - Define revenue-sharing and commercial models.
      - Evaluate partner technology and API capabilities.
      - Coordinate product and technology integrations.
      - Monitor partner performance and service levels
Commercial Strategy and Product Economics
- Develop business cases for new lending and insurance products.
  - Define commercial models and product economics.
  - Develop revenue and profitability models.
  - Assess customer acquisition and lifetime-value economics.
  - Monitor partner economics and revenue-sharing arrangements.
  - Identify opportunities to improve unit economics.
  - Develop cross-sell opportunities across the du Pay ecosystem.
  - Support pricing strategies in collaboration with licensed partners and relevant Risk and Compliance functions
Regulatory, Risk and Responsible Product Design
- Work closely with Legal, Compliance, Risk and external regulated partners.
- Ensure that regulatory and consumer protection requirements are incorporated into product design from the outset.
- Understand the product implications of requirements relating to:
  - Customer affordability
  - Creditworthiness
  - Responsible lending
  - Customer disclosures
  - Consent and data usage
  - Data privacy and protection
  - Credit risk
  - Collections and customer treatment
  - Complaints management
  - Product governance
  - Insurance distribution
  - Customer suitability, where applicable
- Ensure transparent and understandable customer communications.
- Coordinate product governance and approval processes
Customer Experience
- Develop simple, transparent and intuitive customer journeys.
- Remove unnecessary complexity from lending and insurance products.
- Design frictionless digital application and onboarding experiences.
- Develop embedded product offers that are relevant to the customer's context.
- Ensure that customers clearly understand product features, costs, obligations and risks.
- Use customer research and behavioral data to improve conversion and customer outcomes.
- Continuously optimize the customer experience

Qualifications

Bachelor's degree in Finance, Economics, Business, Technology, Engineering or a related discipline.
MBA or relevant professional qualifications are advantageous.
CFA, FRM, professional credit qualifications or relevant insurance qualifications would be beneficial but are not mandatory

Experience

Digital lending platforms
Fintech or embedded finance
Alternative data and credit scoring
Decision engines
Machine-learning-based credit analytics
Telecom data and financial-services products
Device financing
Micro-lending
Insurance technology
Embedded insurance
API-based financial products
UAE, GCC or broader MENA financial services

Skills

Product Leadership
- Strong ability to develop a compelling product strategy.
- Excellent roadmap development and prioritization skills.
- Ability to translate complex financial products into simple customer propositions.
Lending and Financial Services Expertise
- Strong understanding of lending products and economics.
- Understanding of credit decisioning and lending customer journeys.
- Familiarity with credit risk and responsible lending principles.
Data and Analytics
- Strong understanding of the role of data in financial services.
- Ability to work effectively with data scientists and analytics teams.
- Understanding of alternative data and predictive modelling concepts.
Commercial Acumen
- Ability to develop business cases.
- Strong understanding of unit economics and product profitability.
- Experience structuring partnership economics.
Partnerships
- Strong relationship management and negotiation capabilities.
- Ability to engage with senior executives at banks, financial institutions, insurers and technology providers.
Technology
- Strong understanding of digital product development.
- Familiarity with APIs and platform integrations.
- Ability to work effectively with Engineering and Technology teams.
Execution
- Strong programmed and delivery management skills.
- Ability to manage multiple workstreams simultaneously.
- Comfortable operating in a fast-paced and evolving environment.
- Strong bias toward execution and delivery.
Communication
- Excellent written and verbal communication skills.
- Ability to explain complex lending, data and insurance concepts to senior management and non-specialist audiences