Senior Product Lead, Embedded Lending & Insurance

Du Pay; Dubai; On-site; AED 600,000 - 1,200,000; Full time

Job summary

du Pay is seeking an experienced product leader to shape our lending and embedded insurance strategy, drive multi-year roadmaps, and build strategic partnerships across banks, insurers, and fintechs. You will own the end-to-end product lifecycle, from ideation to launch, and lead data-driven initiatives to optimize risk and customer value.

The role requires deep expertise in digital lending, embedded finance, and API-driven products, with strong stakeholder management and regulatory awareness in

Qualifications

• Bachelor’s degree in Finance, Economics, Business, Technology, Engineering, or a related field. An MBA or professional certifications such as CFA, FRM, credit, or insurance qualifications are advantageous.
• Proven experience in digital lending, fintech, embedded finance, credit scoring, decision engines, alternative data, machine learning-based credit analytics, device financing, micro-lending, insurtech, embedded insurance, and API-driven financial products.
• Strong understanding of the UAE/GCC financial services landscape, including lending, insurance, risk management, and regulatory considerations.

Responsibilities

• Define and execute du Pay's lending and embedded insurance strategy, including a multi-year product vision, roadmap, customer segmentation, and build-buy-partner models.
• Identify and develop high-value opportunities across consumer, SME, merchant, and digital customer segments, embedding financial solutions seamlessly into customer journeys.
• Own and evolve the lending portfolio, including micro-lending, personal loans, salary-linked lending, transaction and cashflow-based lending, device financing, embedded finance, BNPL, and SME lending solutions.
• Design compelling product propositions, eligibility frameworks, pricing structures, repayment mechanisms, customer acquisition strategies, and portfolio optimization initiatives.
• Develop and scale embedded insurance propositions across remittances, payments, lending, savings, investments, and other digital financial services, including device, transaction, loan, travel, and micro-insurance products.
• Build data-driven lending capabilities by leveraging transaction behavior, alternative data sources, credit scoring, decision engines, analytics, and predictive models to improve customer outcomes and risk performance.
• Lead the end-to-end product lifecycle, from ideation, business case development, product design, and MVP definition through launch, testing, optimization, and performance management.
• Partner with Engineering, Technology, Risk, Compliance, Data, UX, Operations, and external providers to deliver scalable and compliant lending and insurance solutions.
• Build and manage strategic relationships across the lending and insurance ecosystem, including banks, finance companies, insurers, fintechs, credit bureaus, scoring providers, technology partners, and embedded finance platforms.
• Develop business cases, commercial models, revenue strategies, pricing frameworks, and product economics to drive sustainable growth and profitability.
• Ensure products are designed in line with regulatory, consumer protection, responsible lending, data privacy, and governance requirements.
• Deliver simple, transparent, and frictionless digital customer experiences that improve conversion, engagement, affordability, and long-term customer value.

Skills

Product leadership

Roadmap development

Stakeholder management

Data-driven decisioning

Credit analytics

Education

Bachelor's degree

MBA

Tools

APIs

Credit scoring engines

Job description

du Pay is seeking an experienced product leader to shape our lending and embedded insurance strategy, drive multi-year roadmaps, and build strategic partnerships across banks, insurers, and fintechs. You will own the end-to-end product lifecycle, from ideation to launch, and lead data-driven initiatives to optimize risk and customer value.

The role requires deep expertise in digital lending, embedded finance, and API-driven products, with strong stakeholder management and regulatory awareness in