Key Responsibilities:

• Act as the primary expert for retail loan products including personal finance, auto finance, mortgages, and credit cards
• Design and launch digital-first lending products with instant approvals, real-time disbursements, and seamless servicing
• Define and manage the loan product roadmap aligned with customer acquisition, profitability, and risk objectives
• Translate business requirements into intuitive mobile and online loan journeys
• Collaborate with UX/UI, IT, and Fintech partners to integrate LOS, credit bureaus, scoring engines, APIs, and digital signatures
• Enable Straight Through Processing (STP) across loan origination, approvals, disbursement, and repayments
• Ensure compliance with SAMA regulations, AML/CFT guidelines, consumer protection, and Shariah governance
• Support UAT, product documentation, policies, and staff training
• Monitor portfolio performance, NPL trends, and support data-driven risk management initiatives

Requirements:

• Bachelor’s degree in Finance, Business Administration, Economics, or related field (Master’s preferred)
• 10+ years of experience in retail lending, including 3–5 years in digital banking or Fintech-enabled lending
• Minimum 5 years’ experience in the Saudi retail lending market with strong SAMA and Shariah compliance exposure
• Hands-on experience with digital loan origination systems, credit scoring engines, and core banking integration
• Proven ability to manage the full product lifecycle in a digital-first environment
• Strong stakeholder management, analytical, and communication skills

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