Ceo jobs in United Arab Emirates

Head of Credit / Lending

12 months

Dubai UAE

Consumer

Group CEO

Minimum 15 years in retail banking with 8 years of credit card business leadership. Proven success in launching and scaling card portfolios in the Middle East.

• Deep expertise in credit card product lifecycle management
• Experience launching standalone or co‑branded card programmes
• Familiarity with GCC regulatory frameworks (e.g. UAE Central Bank)
• Strong leadership and stakeholder management skills
• Fluent in English; Arabic is a plus

To lead the strategic setup and operational launch of a new independent credit card business. The role will define the product vision build and lead the team ensure regulatory compliance and drive market penetration and profitability.

• Strategic Leadership: Shape the credit card business model aligning with the banks broader retail strategy and segment‑specific goals (mass affluent SME).
• Product Development: Design and launch a suite of credit card products with differentiated value propositions including digital‑first and premium offerings.
• Risk & Compliance: Establish robust credit risk frameworks underwriting policies and ensure adherence to local and international regulations.
• P&L Ownership: Manage the full P&L of the credit card business including revenue cost and profitability levers.
• Team Building: Recruit structure and mentor a high‑performing team across product analytics operations and sales.
• Stakeholder Engagement: Collaborate with internal and external stakeholders including regulators fintechs payment networks and loyalty partners.
• Innovation & Digitalisation: Leverage AI/ML tools for credit scoring fraud detection and personalised offers. Drive digital onboarding and omnichannel customer experiences.
• Regional Coordination: Align with regional hubs and support regional product innovation and compliance.
• Vendor & Partner Management: Oversee selection and integration of processing platforms loyalty engines and collections partners etc

• Time‑to‑market for product launch
• Customer acquisition and activation rates
• Portfolio profitability (NIM fee income cost of risk)
• Credit loss ratios and delinquency metrics
• Digital origination and usage rates
• Customer satisfaction and NPS

• 15years in Cards Management with 8years in a Head Of/EVP level
• Education: Bachelors degree in finance Economics Business or related field. A Masters degree (e.g. MBA or MSc in Finance) is highly preferred
• End‑to‑End Cards Expertise: Proven experience managing the full lifecycle of card products credit and virtual including issuing and acquiring businesses.
• Strategic Market Insight: Deep understanding of regional and global cards market trends including competitor analysis pricing strategies and product positioning
• Digital Channel Integration: Demonstrated ability to leverage digital platforms (e.g. mobile banking internet banking e‑wallets) to drive card acquisition activation and usage
• E‑commerce & Omni‑Channel Fluency: Strong grasp of e‑commerce ecosystems and omni‑channel strategies to enhance customer experience and card penetration
• Product Innovation & Development: Track record of launching differentiated card products and value propositions tailored to mass affluent and SME segments.
• Risk & Compliance Acumen: Familiarity with credit risk frameworks fraud prevention and regulatory compliance across GCC jurisdictions.
• P&L Ownership: Experience managing the cards business P&L including budgeting forecasting and profitability optimisation.
• Customer Lifecycle Management: Expertise in designing and executing activation usage rewards and retention programmes to boost engagement and reduce churn.
• Cross‑Functional Leadership: Ability to collaborate with IT operations marketing and third‑party vendors to deliver seamless card experiences.

• Strategic planning and execution
• Product innovation and lifecycle management
• Credit risk and portfolio analytics
• Regulatory compliance and governance
• Cross‑functional leadership and communication
• Agile project delivery and digital transformation