Job Overview
Director — Digital Lending Strategy
Location: Abu Dhabi, United Arab Emirates
Seniority Level: Director / Strategic Leadership
Employment Type: Full-time, Permanent
Industry: Fintech, Digital Lending, Consumer Finance, Banking Technology
Work Model: Remote / Hybrid with regional engagement
Executive Mandate
We are seeking a commercially and analytically driven Digital Lending Strategy Director to shape the growth and evolution of technology-enabled lending products.
The role combines credit-product strategy, customer analytics, financial modelling, digital distribution, product economics, and technology transformation. The successful candidate will be responsible for turning lending opportunities into scalable digital propositions with measurable commercial and portfolio outcomes.
Strategic Responsibilities
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Define the strategic roadmap for digital lending products and platforms.
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Identify attractive customer segments and underserved lending opportunities.
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Develop business cases for new credit products, channels, and distribution models.
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Analyse portfolio performance, customer behaviour, acquisition economics, and profitability.
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Partner with risk teams to incorporate sophisticated decisioning into product design.
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Lead initiatives covering digital applications, automated decisioning, approvals, disbursement, and repayment journeys.
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Establish KPIs covering conversion, approval rates, utilisation, delinquency, retention, revenue, and profitability.
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Evaluate emerging technologies capable of improving lending efficiency and customer experience.
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Lead strategic relationships with financial institutions, technology providers, and distribution partners.
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Present product-investment cases and portfolio strategies to senior leadership.
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Establish governance for major lending-transformation programmes.
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Monitor competitive developments across regional digital-lending markets.
Required Experience
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10+ years of experience in lending, fintech, banking, consumer finance, digital products, consulting, or financial services.
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Bachelor’s degree in Finance, Economics, Business, Technology, or a related discipline.
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Demonstrated experience developing or scaling financial products.
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Strong understanding of lending economics, portfolio analytics, and digital customer journeys.
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Excellent financial-modelling and strategic-analysis capabilities.
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Strong executive communication and stakeholder-management skills.
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MBA, CFA, MSc Finance, or equivalent qualification is advantageous.
Leadership Competencies
Digital Lending | Product Economics | Credit Strategy | Customer Analytics | Financial Modelling | Market Expansion | Strategic Partnerships
Indicative Compensation
AED 50,000–75,000 monthly + executive benefits and performance incentives.
Success Definition
Build a scalable digital-lending strategy that balances customer accessibility, portfolio quality, operational efficiency, product profitability, and sustainable growth.
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