Retail Loans Pricing Manager

5 months ago

Dubai, United Arab Emirates Emirates NBD Full time

**Company Introduction**

Emirates NBD is a market leader across the MENAT (Middle East, North Africa and Türkiye) region with a presence in 13 countries, serving over 20 million customers. The Emirates NBD Group has a total of 853 branches and 4,213 ATMs / SDMs. Emirates NBD is the leading financial services brand in the UAE with a Brand value of USD 3.89 billion.

At the bank, we serve our customers and help them realise their financial objectives through a range of banking products and services including retail banking, corporate & institutional banking, Islamic banking, investment banking, private banking, asset management, global markets and treasury, and brokerage operations.

We are a key participant in the global digital banking industry, with 97% of all financial transactions and requests conducted outside of our branches. We also operate **Liv, **the lifestyle digital bank by Emirates NBD. With close to half a million users, it continues to be the fastest-growing digital bank in the region.

**Job Purpose**:

- As Retail Banking Pricing Manager at Emirates NBD, your role is to**
- Retail Asset Pricing & Project Manager focuses on
- developing and implementing pricing strategies based on assessment of various risk associated factors in lending credit products,
- expanding target segments to facilitate increased acquisition

**Responsibilities**
- Assist segment RMs in maximizing coverage, transaction volumes, wallet share and profitability.
- Contribute to business planning by proving insights and recommendations on IT initiatives to drive portfolio growth and new acquisition..
- Leverage Dubai government digital initiative to build seamless banking experience for the customers through blockchain, UAE Pass, Emirates ID reading etc.
- Work with Auto Loans dealerships, and Home Loan developers to extend lending journey to partner channels.
- Collaborate with Fintech team to leverage open banking offerings to enable seamless customer experience for lending journey.
- Dive end-to-end digital partnership from drafting the proposal, proof of concept, pilot project, measuring market response, and planning enhancements
- Work with IT teams to enhance existing customers to drive straight through approvals by leveraging IT capabilities such as API, EIDA reading, digital algorithms, instant credit decision etc.
- Design and develop SAS business rules, SAS rule flows, and decision flows, to support customer segmentation, retail loan policy and pricing variance offers.
- Collaborate with cross-functional teams to validate and test pricing engine release from various phases of project management cycle such as system integration testing (SIT), user acceptance testing (UAT) and production deployment.
- Monitor project risks and proactively identify potential roadblocks, implementing mitigation strategies by aligning stakeholders to ensure successful project outcomes. Manage project communication, including regular status updates, progress reports, and issue resolution, to ensure transparency and alignment across teams.

**To be successful in this role, you will need the following skills and experience **
- Bachelor's degree in a relevant field such as Mathematics, Statistics, Economics, Computer Science, or a related discipline. A master's degree is a plus.
- Risk Analysis - assessing portfolio, analyzing factors that impacts customers’ risk profile and recommend pricing strategies.
- Pricing Strategy - develop pricing strategies that is aligned with risk assessment ensuring products are priced competitively while mitigating potential losses and optimizing revenue.
- Data Analysis - reviewing assets portfolio to evaluate historical data and customer behaviour to refine pricing models.
- Retail projects - create roadmap for retail assets for continuous process improvements, business expansion, and channel activation with focus on engaged customer experience
- Strong problem-solving skills and the ability to translate business requirements into actionable projects. Excellent data analysis and interpretation skills, with a keen attention to detail.

**What we offer you**
- 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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