Senior Product Manager

Role overview

Strategy and product development

• Develop strategies and propositions for assigned consumer products and own their lifecycle from research and business case through launch, optimization, and rationalization.
• Build short-, medium-, and long-term roadmaps covering features, digital journeys, underwriting, technology, and business priorities.
• Research customers, segments, competitors, and markets; define product propositions, pricing, features, eligibility, and customer value.
• Lead new products, enhancements, and digital journeys from concept through implementation and post-launch optimization.
• Define product requirements, customer journeys, business processes, and functional specifications with Technology and Operations.
• Improve digital acquisition, onboarding, credit decisioning, fulfilment, servicing, automation, turnaround times, and operational efficiency.

Commercial, risk, and governance

• Set product-level financial objectives and monitor revenue, costs, profitability, portfolio growth, and KPIs; build business cases and financial models.
• Recommend pricing, fees, promotions, and product economics; monitor product P&L and sustainable returns.
• Partner with Credit Risk to define eligibility, underwriting, credit policy, risk appetite, and decisioning requirements.
• Monitor portfolio quality, delinquency, approval rates, utilization, attrition, and other risk and performance indicators.
• Ensure products comply with risk appetite, credit policies, regulatory obligations, and internal governance.
• Lead product governance routines and represent the function in audits, regulatory reviews, committees, and partner discussions.

Growth and stakeholder management

• Partner with Marketing, Sales, and Distribution on positioning, go-to-market strategies, campaigns, and acquisition.
• Improve acquisition, activation, engagement, utilization, retention, cross-sell, and customer lifetime value using customer insights and portfolio analytics.
• Monitor campaign and proposition performance and recommend measurable improvements.
• Act as subject matter expert and influence cross-functional stakeholders to deliver customer-centred product objectives.

Knowledge and qualifications

• Strong consumer financial product expertise, particularly in credit cards, personal loans, instalment products, and consumer lending.
• Knowledge of product lifecycle, consumer credit, underwriting, pricing, portfolio risk, lending economics, card issuing and processing, payment schemes, digital lending, and onboarding.
• Commercial and financial acumen, including business cases, financial models, pricing, and product performance analysis.
• Understanding of digital product development, customer experience, data analytics, AI, automation, and the UAE consumer finance and regulatory environment, including CBUAE requirements.
• Strong analytical, project management, problem-solving, communication, and stakeholder management skills.
• Bachelor’s degree in Business, Finance, Economics, Marketing, Technology, or a related discipline.
• Professional Product Management, Agile, or related certification is preferred.

Experience

• 10–12 years of progressive product management experience in banking, consumer finance, fintech, payments, or related financial services.
• Experience managing consumer lending and/or card products across the complete product lifecycle and delivering measurable product outcomes.
• Experience in strategy, roadmaps, pricing, business cases, performance management, digital transformation, and cross-functional work in regulated financial services.
• UAE or GCC experience is preferred; experience with card schemes, processors, lending platforms, digital banking, or fintech partnerships is advantageous.