Senior Product Manager - Fintech

AlFuttaim; Dubai; On-site; AED 165,258 - 238,707; Full time

Job summary

Al‑Futtaim, a diversified UAE-based group, seeks a Senior Product Manager – Fintech to shape payments, remittances, digital wallets and embedded finance within the Blue ecosystem. You will own strategy, roadmaps, and regulatory alignment for scalable consumer-facing financial solutions.

The role requires shaping monetisation models, leading cross-functional teams, and delivering secure, compliant digital financial journeys with external partners.

Qualifications

• Experience in product management of fintech/digital financial services.
• Ability to translate strategy into measurable outcomes and KPIs.
• Strong collaboration across engineering, design, data, compliance, risk, legal and finance.

Responsibilities

• Define and own the long-term vision for financial services products in the Blue ecosystem.
• Build and maintain a prioritized roadmap for payments, remittances, wallets, embedded finance and related digital propositions.
• Lead end-to-end product lifecycle from discovery to launch and optimisation.
• Prepare detailed PRDs, user journeys, acceptance criteria and functional/non-functional requirements.
• Collaborate with engineering to prioritise backlog and manage delivery trade-offs.
• Coordinate with design to craft intuitive customer experiences across digital journeys.
• Ensure compliance with KYC, AML, PCI, data privacy and security requirements.
• Develop go-to-market plans and present roadmaps to senior leadership.

Skills

Product Management

Fintech product strategy

Embedded finance

Digital payments

Payment service providers

Digital wallets

Remittances

Lending propositions

Credit products

Rewards monetisation

Subscription products

Digital insurance

Product roadmap development

Product requirement documents

Product lifecycle management

Backlog prioritisation

Agile delivery

Customer journey design

Consumer digital products

AB testing

Product experimentation

Funnel analysis

Product analytics

Unit economics

Revenue modelling

Interchange revenue

Commission models

Partner revenue

Customer segmentation

Behavioural analytics

AI‑driven personalization

KYC

AML

PCI compliance

Fraud prevention

Data privacy

Information security

Regulatory compliance

Bank partnerships

Fintech partnerships

Go‑to‑market strategy

Stakeholder management

Executive presentations

Cross‑functional leadership

Scalable product architecture

Job description

Senior Product Manager – Fintech

Location: Dubai, United Arab EmiratesIndustry: Financial ServicesFunction: Product ManagementJob Type: Full-timeSalary: 45,000–65,000 (USD) – confirm final offer with the employer.

Job Overview

The Senior Product Manager will shape and deliver payments, remittances, digital wallets, embedded finance, credit, rewards, insurance, and data monetization products within the Blue ecosystem. The role owns product strategy, roadmap priorities, commercial outcomes, regulatory alignment, and end‑to‑end delivery of scalable consumer‑facing financial solutions.

Key Responsibilities

• Define and own the long‑term vision for financial services products within the Blue ecosystem.
• Build and maintain a prioritized roadmap covering payments, remittances, wallets, embedded finance, lending, rewards, subscriptions, insurance, and related digital propositions.
• Identify unmet customer needs and assess new opportunities using market research, behavioural data, competitor analysis, and commercial modelling.
• Translate business strategy into measurable product outcomes, key performance indicators, and delivery priorities.
• Establish clear product principles that balance customer experience, commercial value, scalability, security, and regulatory viability.
• Lead the complete product lifecycle from discovery and validation through requirements, development, launch, measurement, and optimisation.
• Prepare detailed product requirement documents, user journeys, acceptance criteria, functional and non‑functional requirements.
• Work closely with engineering teams to prioritise backlogs, resolve dependencies, and manage delivery trade‑offs.
• Coordinate with design teams to create intuitive and accessible customer experiences across digital financial journeys.
• Ensure product requirements address performance, security, scalability, availability, data protection, and operational support.
• Track delivery progress and intervene early when risks could affect scope, quality, cost, or launch timelines.
• Plan and execute controlled product launches with clear readiness criteria and post‑launch monitoring.
• Run experiments, pilot programmes, usability testing, and A‑B tests to validate product decisions.
• Use customer feedback and performance data to refine features after launch.
• Partner with Legal, Risk, Compliance, Finance, and Information Security teams throughout product development.
• Ensure financial services products meet relevant KYC, AML, PCI, fraud prevention, consumer protection, and data privacy requirements.
• Integrate compliance controls into customer journeys without creating unnecessary friction.
• Assess regulatory and operational implications before introducing new financial features or partnerships.
• Manage dependencies with banks, payment service providers, fintech companies, insurers, credit providers, and other external partners.
• Evaluate partner capabilities, integration requirements, commercial models, service levels, and operational risks.
• Collaborate with procurement, legal, technology, and commercial teams during partner selection and contracting.
• Leverage customer data, behavioural signals, segmentation, and AI‑generated insights to personalise financial experiences.
• Define monetisation models involving interchange, float income, partner commissions, subscription fees, lending revenue, and rewards economics.
• Track customer funnels, transaction frequency, conversion, retention, revenue, and product engagement.
• Monitor unit economics and recommend improvements to acquisition costs, servicing expenses, partner fees, and contribution margins.
• Work with data teams to establish reliable dashboards, event tracking, reporting definitions, and product analytics.
• Act as the principal owner for financial services products across internal and external stakeholders.
• Align engineering, design, compliance, operations, customer service, finance, marketing, and commercial teams around shared product goals.
• Develop go‑to‑market plans with commercial and marketing stakeholders.
• Present roadmap updates, product performance, investment cases, risks, and strategic recommendations to senior leadership.
• Maintain clear product documentation, decision records, assumptions, dependencies, and governance evidence.
• Support operational teams with product training, launch materials, escalation procedures, and service readiness.
• Monitor market developments, regulatory expectations, emerging fintech models, and customer behaviour to guide future product investment.

Ideal Profile

• Minimum 12 years of progressive product management experience.
• At least 3–5 years of direct experience within financial services, fintech, payments, digital wallets, rewards, lending, or embedded finance.
• Proven success launching and scaling consumer‑facing digital products.
• Strong understanding of payment processing, remittance flows, wallet ecosystems, credit propositions, partner integrations, and digital financial journeys.
• Experience developing product strategies, roadmaps, business cases, and measurable performance objectives.
• Hands‑on background working with engineering, product design, data, compliance, risk, legal, finance, and commercial teams.
• Familiarity with KYC, AML, PCI, fraud prevention, information security, consumer protection, and data privacy concepts.
• Experience managing relationships with banks, payment service providers, fintech partners, technology vendors, or regulators.
• Ability to define functional and non‑functional requirements for secure and scalable digital products.
• Strong analytical skills with experience using funnel metrics, experimentation, customer segmentation, and unit economics.
• Demonstrated ability to evaluate monetisation opportunities and build commercially viable product propositions.
• Confident stakeholder management skills with the ability to influence senior leaders and cross‑functional teams.
• Excellent written and verbal communication skills.
• Ability to present complex technical, regulatory, and commercial information in a clear decision‑oriented format.
• Strong problem‑solving ability with sound judgment under changing priorities.
• Customer‑focused mindset supported by disciplined use of data and market evidence.
• Ability to manage complex product dependencies and multiple delivery workstreams.
• Experience operating in a large digital ecosystem, marketplace, loyalty platform, retail group, or diversified enterprise is advantageous.

Skills Set

• Product Management
• Fintech product strategy
• Embedded finance
• Digital payments
• Payment service providers
• Digital wallets
• Remittances
• Lending propositions
• Credit products
• Rewards monetisation
• Subscription products
• Digital insurance
• Product roadmap development
• Product requirement documents
• Product lifecycle management
• Backlog prioritisation
• Agile delivery
• Customer journey design
• Consumer digital products
• A‑B testing
• Product experimentation
• Funnel analysis
• Product analytics
• Unit economics
• Revenue modelling
• Interchange revenue
• Commission models
• Partner revenue
• Customer segmentation
• Behavioural analytics
• AI‑driven personalization
• KYC
• AML
• PCI compliance
• Fraud prevention
• Data privacy
• Information security
• Regulatory compliance
• Bank partnerships
• Fintech partnerships
• Go‑to‑market strategy
• Stakeholder management
• Executive presentations
• Cross‑functional leadership
• Scalable product architecture

About the Company

Al‑Futtaim is a diversified, privately held regional business headquartered in Dubai, United Arab Emirates. With operations spanning automotive, financial services, real‑estate, retail, and healthcare across the Middle East, Asia, and Africa, the Blue ecosystem brings together loyalty, payments, rewards, partnerships, and personalised services to create connected customer experiences. The financial services product team develops secure, scalable solutions that improve customer convenience, strengthen engagement, and generate sustainable digital revenue.