Associate Vice President, Product Manager - Unsecured Lending, Retail Banking

About the role This role reports to the SVP – Head of Unsecured Assets within the Retail Banking Division. The AVP will lead the strategic development, digital transformation, and lifecycle management of unsecured lending products, including Personal Loans and Microfinance / Advance Against Salary. The role is focused on driving innovation, pricing strategy, funnel optimization, and risk–reward outcomes, while ensuring compliance and enhancing customer experience. What You'll Be Doing Support the Head of Unsecured Assets in shaping and executing the unsecured lending strategy. Develop a forward-looking roadmap aligned with customer needs, market trends, and regulatory requirements. Execute initiatives that drive digital adoption, growth, and profitability. Set and manage pricing strategies, credit limits, and pre-approved offers. Collaborate with Risk and Credit teams to balance competitiveness with risk appetite. Monitor and optimize funnel performance across acquisition, drop-off, and conversion. Lead design and rollout of end-to-end digital lending journeys (e.g., STP, automation). Partner with analytics teams to implement data-driven improvements. Drive commercialization through digital marketing and personalized offers. Work with sales and distribution teams to boost product adoption. Provide training and insights to enhance sales effectiveness and digital conversion. Collaborate with Marketing on integrated campaigns to maximize acquisition and ROI. Monitor portfolio performance for growth, yield, and risk-adjusted returns. Drive retention, cross-sell, and lifecycle initiatives. Enhance digital customer experience, measured by NPS and complaint reduction. Ensure compliance with UAE Central Bank regulations and internal policies. Own the RCSA for unsecured products. Proactively manage product, operational, and fraud risks, and internal policies. What we're looking for Bachelor’s degree in Business Administration, Finance, Marketing, or related field. MBA preferred. 5–7 years in retail banking, ideally with UAE personal loan exposure. Proven success in product management, pricing, risk, or digital lending. Strong digital orientation and data/analytics capabilities. Experience with regulated products and credit frameworks. #J-18808-Ljbffr