Lending & Insurance Lead
# Lending & Insurance Lead **DU** · Dubai · `On-site` 🕒 **Статус:** *Опубликовано: 10 дней назад* · *Источник: Indeed* --- ### About the Role Key Accountabilities - Lending and Insurance Product Strategy - Define du Pay's overall lending and embedded insurance strategy. - Develop a clear multi-year product vision and roadmap. - Identify the highest-value lending and insurance opportunities across du Pay's customer base. - Develop differentiated propositions for different customer segments, including: - Blue-collar customers - Expatriates - UAE nationals - Existing du Pay customers - New digitally acquired customers - Eligible SME and merchant customers - Identify opportunities to embed financial products directly into existing customer journeys. - Develop clear build, buy or partner strategies for each product. - Continuously monitor market trends, customer needs, technology developments and competitive activity - Lending Product Portfolio - Own the development and evolution of du Pay's lending portfolio, including opportunities such as: - Micro-lending - Short-term consumer credit - Personal lending - Salary-linked lending - Transaction-based lending - Cash-flow-based lending - Device financing - Embedded financing - Buy-now-pay-later and instalment propositions, where strategically appropriate - Merchant and SME lending opportunities - Other responsible and data-driven lending products - Key responsibilities will include: - Develop product propositions and value propositions. - Define eligibility and customer segmentation strategies. - Develop product features and customer journeys. - Define loan amounts, tenors, pricing principles and repayment mechanisms in collaboration with licensed lending partners. - Develop customer acquisition and cross-sell strategies - Identify opportunities to improve customer affordability and repayment outcomes. - Continuously optimise products based on customer behaviour and portfolio performance - Embedded Insurance Strategy - Develop du Pay's embedded insurance product strategy and roadmap. - Identify opportunities to integrate simple and relevant protection products into customer journeys, including: - Remittances - Payments and financial transactions - Lending - Device financing - Savings - Investments - Other digital financial products - Potential product opportunities may include: - Device protection - Transaction-related protection - Loan-related protection - Micro-insurance products - Personal accident and protection products - Travel-related protection - Other simple and digitally distributed insurance propositions - The successful candidate will: - Identify relevant insurance use cases. - Develop embedded customer journeys. - Work with licensed insurance providers and intermediaries. - Define product propositions and economics. - Ensure a simple and transparent customer experience. - Coordinate regulatory, legal and operational requirements. - Develop scalable API-based insurance integrations - Data, Credit Scoring and Decisioning - A central responsibility of this role will be to support the development of du Pay's data-driven lending capability. - The Manager – Lending & Insurance Products will work closely with Data, Technology, Risk and external partners to: - Identify relevant data sources for credit decisioning and customer segmentation. - Leverage financial transaction and payment behavior to improve lending propositions. - Explore the use of telecommunications and other relevant data sources were permitted by applicable laws, regulations and customer consent requirements. - Develop strategies for alternative data and behavioral credit assessment. - Partner with leading credit scoring, decision-engine and analytics providers. - Support the development and continuous enhancement of predictive models. - Improve customer eligibility, approval rates and credit risk outcomes. - Identify opportunities to create personalized product offers. - Develop appropriate data governance and model monitoring processes - Product Development and Delivery - Lead the full product lifecycle from idea through launch and optimization. - Translate customer, commercial and partner requirements into product specifications. - Prepare product requirements documents, user journeys, user stories and acceptance criteria. - Define Minimum Viable Products and phased delivery plans. - Manage the lending and insurance product backlog. - Work closely with Engineering, Technology, UX, Data and Operations teams. - Lead product testing and customer acceptance testing. - Coordinate partner and API integrations. - Ensure operational readiness before product launch. - Monitor performance and continuously optimize products. - Strategic Partnerships and Ecosystem Development - A key element of the role will be the ability to build and manage a strong external ecosystem. - The Manager – Lending & Insurance Products will identify, evaluate and manage partnerships with: - Lending Ecosystem - Banks - Finance companies - Licensed lenders - Balance-sheet providers - Credit scoring providers - Decision-engine providers - Credit bureaus and relevant data providers - Lending technology platforms - Loan servicing and collections providers - Fintech infrastructure providers - Insurance Ecosystem - Insurance companies - Licensed insurance intermediaries - Insurtech companies - Insurance technology providers - Embedded insurance platforms - Claims and servicing providers - The role will: - Develop partner selection criteria. - Conduct commercial and product evaluations. - Support commercial negotiations. - Develop partnership business cases. - Define revenue-sharing and commercial models. - Evaluate partner technology and API capabilities. - Coordinate product and technology integrations. - Monitor partner performance and service levels - Commercial Strategy and Product Economics - Develop business cases for new lending and insurance products. - Define commercial models and product economics. - Develop revenue and profitability models. - Assess customer acquisition and lifetime-value economics. - Monitor partner economics and revenue-sharing arrangements. - Identify opportunities to improve unit economics. - Develop cross-sell opportunities across the du Pay ecosystem. - Support pricing strategies in collaboration with licensed partners and relevant Risk and Compliance functions - Regulatory, Risk and Responsible Product Design - Work closely with Legal, Compliance, Risk and external regulated partners. - Ensure that regulatory and consumer protection requirements are incorporated into product design from the outset. - Understand the product implications of requirements relating to: - Customer affordability - Creditworthiness - Responsible lending - Customer disclosures - Consent and data usage - Data privacy and protection - Credit risk - Collections and customer treatment - Complaints management - Product governance - Insurance distribution - Customer suitability, where applicable - Ensure transparent and understandable customer communications. - Coordinate product governance and approval processes - Customer Experience - Develop simple, transparent and intuitive customer journeys. - Remove unnecessary complexity from lending and insurance products. - Design frictionless digital application and onboarding experiences. - Develop embedded product offers that are relevant to the customer's context. - Ensure that customers clearly understand product features, costs, obligations and risks. - Use customer research and behavioral data to improve conversion and customer outcomes. Continuously optimize the customer experience - Qualifications : - Bachelor's degree in Finance, Economics, Business, Technology, Engineering or a related discipline. - MBA or relevant professional qualifications are advantageous. CFA, FRM, professional credit qualifications or relevant insurance qualifications would be beneficial but are not mandatory - Experience: - Digital lending platforms - Fintech or embedded finance - Alternative data and credit scoring - Decision engines - Machine-learning-based credit analytics - Telecom data and financial-services products - Device financing - Micro-lending - Insurance technology - Embedded insurance - API-based financial products UAE, GCC or broader MENA financial services - Skills - Product Leadership - Strong ability to develop a compelling product strategy. - Excellent roadmap development and prioritization skills. - Ability to translate complex financial products into simple customer propositions. - Lending and Financial Services Expertise - Strong understanding of lending products and economics. - Understanding of credit decisioning and lending customer journeys. - Familiarity with credit risk and responsible lending principles. - Data and Analytics - Strong understanding of the role of data in financial services. - Ability to work effectively with data scientists and analytics teams. - Understanding of alternative data and predictive modelling concepts. - Commercial Acumen - Ability to develop business cases. - Strong understanding of unit economics and product profitability. - Experience structuring partnership economics. - Partnerships - Strong relationship management and negotiation capabilities. - Ability to engage with senior executives at banks, financial institutions, insurers and technology providers. - Technology - Strong understanding of digital product development. - Familiarity with APIs and platform integrations. - Ability to work effectively with Engineering and Technology teams. - Execution - Strong programmed and delivery management skills. - Ability to manage multiple workstreams simultaneously. - Comfortable operating in a fast-paced and evolving environment. - Strong bias toward execution and delivery. - Communication - Excellent written and verbal communication skills. - Ability to explain complex lending, data and insurance concepts to senior management and non-specialist audiences
Наблюдалась 2026-10-15, впервые 2026-10-05, источник — Indeed.