Senior Product Manager at Emirates NBD is responsible to ensure all the variants of the Unsecured Loan and Overdraft products of the Bank for both individual (including staff loans) and non individual customers (SME/BB segments), with the key objective to maximize profitability and growth for the portfolio, especially new volume bookings at optimal pricing. The incumbent is expected to drive the development of integrated strategies across customer segments (including staff loans), product and/or portfolio, along with the implementation of Personal Loan, Overdraft, Business Loan projects. Furthermore, incumbent is expected to actively monitor portfolio & channel(s) performance and make timely recommendations to achieve business targets.

Responsibilities of Senior Product Manager

• The role holder is expected to be the business interface with several multifunctional internal and external parties/stakeholders to establish strategic roadmap and implement the associated action plan to achieve desired results for the Unsecured Lending Business, comprising of the individual (including staff loans) and non individual (SME/BB) customer segments including but not limited to Personal Loan, Business Loan & Overdraft product for Retail segment.
• The incumbent is expect to design, plan and launch contests, effective promotions/campaigns (tactical & marketing) for the profitable customer segment acquisitions through ATL/BTL campaigns, internal campaigns using various modes like: EDMs, SMS broadcasts, Online/Mobile Banking and social media platforms.
• This role necessitates good understanding of the various aspects of Personal Loan, Overdraft & SME loan product management viz., Product, Pricing, Promotions, Process, Platforms, channel management, local market knowledge etc.
• In addition to driving new volumes, designing & launching of new product variants, formulating innovative financial solutions for improved customer experience would also be few of the other key responsibilities of this role holder.
• Responsible for product management, product development and implementation of Unsecured lending products, capabilities and benefits.

What You’ll Do More?

• Ensure all the variants of the Unsecured Loan and Overdraft products of the Bank for both individual and non-individual customers.
• To drive the development of integrated strategies across customer segments, product and/or portfolio, along with the implementation of Personal Loan, Overdraft, Business Loan projects.
• Furthermore, incumbent is expect to actively monitor portfolio & channel(s) performance and make timely recommendations to achieve business targets.
• To be the business interface with several multifunctional internal and external parties/stakeholders.
• The incumbent is expect to design, plan and launch contests, effective promotions/campaigns.
• This role necessitates good understanding of the various aspects of Personal Loan, Overdraft & SME loan product management viz., Product, Pricing, Promotions, Process, Platforms, channel management, local market knowledge etc.
• In addition to driving new volumes, designing & launching of new product variants, formulating innovative financial solutions for improved customer experience would also be few of the other key responsibilities of this role holder.

Requirements of Senior Product Manager

• Bachelor’s degree in relevant field.
• Minimum 3-5 years’ experience on Retail Banking in product support preferably Retail Loans.
• Banking Experience of at least 5-7 years.

Skills and Knowledge Desired

•   Ability to develop innovative and profitable product variants.
•   Proficient on internal Funds Transfer Pricing (FTP).
•   Knowledgeable with risk based pricing and scorecards.

Job Benefits

• Competitive salary package.
• Strong emphasis on work life balance and wellbeing across the bank.
• World class Learning & Development platform and career development.
• Generous annual leave entitlement and Private Healthcare.
• Preferential banking facilities for employees.

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