VP, SME Lending & Digital Growth Leader

Rakbank; Dubai; On-site; AED 420,000 - 660,000; Full time

Benefits offered by this job

Competitive rewards

Comprehensive benefits

Flexible wellbeing programs

Job summary

Rakbank in the United Arab Emirates seeks an experienced SME lending leader to define and scale a comprehensive program spanning supplier finance, microfinance, and embedded lending. You will own growth targets while managing portfolio risk and driving innovative credit ecosystems.

You will partner with corporate, fintech, and government entities to accelerate digital journeys, enhance onboarding, and optimize performance across lending portfolios.

Qualifications

• Extensive experience in SME Banking, Business Banking, Commercial Lending, or Program-Based Finance.
• Proven success in developing and scaling lending products, credit programs, or financing ecosystems.
• Strong commercial acumen to drive growth while managing portfolio risk.
• Proven leadership of high‑performing cross‑functional teams.
• Deep understanding of credit risk management, regulatory frameworks, and governance requirements.
• Experience in digital transformation, fintech partnerships, or embedded finance environments is highly desirable.
• Strategic thinker with execution capabilities and a passion for innovation.
• Excellent stakeholder management and influencing skills with senior leaders and external partners.

Responsibilities

• Define and execute SME lending program strategy aligned with growth objectives and risk appetite.
• Identify target SME segments and develop sector-specific financing programs such as supplier finance, microfinance, and embedded lending solutions.
• Build strategic partnerships with anchor corporates, fintechs, government entities, and ecosystem partners.
• Partner with Credit, Risk, Data, Operations, and Technology teams to design underwriting frameworks and eligibility models.
• Drive the digitization of end‑to‑end lending journeys, from customer onboarding through servicing and collections.
• Integrate lending solutions into digital channels and ecosystem platforms to enhance customer reach and accessibility.
• Own business targets, portfolio performance, asset quality, and risk‑adjusted returns.
• Monitor and optimize KPIs including approval rates, turnaround times, disbursement volumes, delinquency levels, and recovery ratios.
• Continuously refine program structures and customer propositions to balance sustainable growth and profitability.
• Design seamless, customer‑centric lending experiences that remove friction from the borrowing journey.
• Develop flexible repayment solutions and lifecycle‑based lending propositions tailored to SME needs.
• Collaborate with Customer Experience and Distribution teams to improve acquisition, onboarding, and servicing outcomes.
• Lead and develop a team of program managers, product specialists, and analysts.
• Champion a culture of innovation, collaboration, accountability, and agile delivery.
• Ensure all lending activities comply with internal policies and regulatory requirements, including CBUAE and AML/CFT standards.

Skills

SME banking

Credit risk management

Leadership

Digital transformation

Fintech partnerships

Stakeholder management

Strategic thinking

Data-driven decision making

Education

Bachelor's degree in finance or business

Tools

Credit risk software

Job description

Rakbank in the United Arab Emirates seeks an experienced SME lending leader to define and scale a comprehensive program spanning supplier finance, microfinance, and embedded lending. You will own growth targets while managing portfolio risk and driving innovative credit ecosystems.

You will partner with corporate, fintech, and government entities to accelerate digital journeys, enhance onboarding, and optimize performance across lending portfolios.