Associate Vice President, Product Manager- Unsecured Lending Rak Bank

What You ll Be Doing:

• Shape and execute the unsecured lending strategy in partnership with the Head of Unsecured Assets.
• Develop a forward-looking product roadmap aligned with customer needs, market trends, and regulatory mandates.
• Lead initiatives to drive digital adoption, product growth, and profitability across unsecured lending.
• Define and implement pricing strategies, credit frameworks, and pre-approved offer policies in collaboration with Risk.
• Monitor and optimize acquisition funnels, drop-offs, and conversion metrics to enhance performance.
• Design and roll out seamless digital lending journeys, leveraging automation and data-driven experimentation.
• Drive commercialization through targeted digital marketing and personalized customer offers.
• Partner with Sales and Marketing to boost product adoption, deliver training, and launch integrated campaigns.
• Manage portfolio performance, customer lifecycle, retention, and cross-sell strategies while enhancing NPS.
• Ensure regulatory compliance, own RCSA, and proactively mitigate product, operational, and fraud risks.

What We re Looking For:

• Bachelor s degree in business administration, Finance, Marketing, or a related field, A master s degree or MBA preferred.
• 5 7 years of experience in retail banking, preferably with exposure to UAE personal loans.
• Proven track record in product management, risk management, pricing or digital lending.
• Passionate about digital-first customer journeys.
• Understanding of unsecured lending profitability drivers.
• Skilled in digital transformation, funnel analytics, and A/B testing.
• Knowledge of credit policy and fraud management for personal loans.
• Proven ability to influence across functions.
• Strong communicator to stakeholders at multiple levels.
• Self-starter who proactively drives innovation and outcomes.