Retail Loans Pricing Manager

Role Overview

Retail Loans Pricing Manager at Emirates NBD, based in the United Arab Emirates. The role designs and executes risk-based pricing strategies that strengthen competitiveness, protect portfolio quality, and optimize revenue while expanding addressable customer segments and channels to accelerate quality acquisition and portfolio growth.

Company Overview

Emirates NBD is a market leader across the MENAT (Middle East, North Africa and Türkiye) region with a presence in 13 countries, serving over 9 million customers. The organization is the leading financial services brand in the UAE with a brand value of approximately USD 4 billion. Emirates NBD serves customers through retail banking, corporate & institutional banking, Islamic banking, investment banking, private banking, asset management, global markets and treasury, and brokerage operations. The organization is a key participant in the global digital banking industry, with 97% of all financial transactions and requests conducted outside of branches. Emirates NBD operates Liv, the lifestyle digital bank, which has over half a million users and is the fastest-growing digital bank in the region.

Role Purpose

This role exists to design and execute risk-based pricing strategies that balance competitiveness with portfolio quality and revenue optimization, while transforming retail asset onboarding and servicing journeys to deliver faster, simpler, and more seamless customer experiences.

Key Responsibilities

Strategy and Pricing

• Assess portfolio, analyzing factors that impact customers' risk profile and recommend pricing strategies.
• Develop pricing strategies aligned with risk assessment ensuring products are priced competitively while mitigating potential losses and optimizing revenue.
• Review assets portfolio to evaluate historical data and customer behavior to refine pricing models.
• Lead the analytical design of pricing campaigns using market, customer, and competitor insights to improve conversion, revenue, and risk-adjusted returns.
• Conduct rigorous reviews of pricing offers to ensure approved schemes and promotions are accurately configured and consistently applied in Finacle.
• Build robust financial models and scenario analyses to drive budgeting, forecasting, pricing decisions, and portfolio strategy.
• Lead deep-dive analysis of customer behavior, portfolio profitability, pricing elasticity, and segment performance.
• Identify emerging trends, value pools, and performance drivers, and quantify their commercial implications.

Digital Transformation and Customer Experience

• Transform retail asset onboarding and servicing journeys to deliver faster, simpler, and more seamless customer experiences.
• Harness Dubai Government digital capabilities—including blockchain, UAE Pass, and Emirates ID integration—to create secure, frictionless lending experiences.
• Lead the redesign of customer journeys to maximize straight-through approvals by deploying APIs, Emirates ID integration, digital decisioning algorithms, and instant credit assessment.
• Deliver best-in-class self-service lending journeys across online and mobile banking, with clear accountability for customer adoption, conversion, and turnaround time.
• Activate emerging channels such as WhatsApp to enable secure customer interaction and document collection, reducing friction and abandonment.
• Experience managing strategic partnerships, fintech integrations, and open banking initiatives.

Partnership and Channel Development

• Create roadmap for retail assets for continuous process improvements, business expansion, and channel activation with focus on engaged customer experience.
• Establish and scale strategic partnerships with auto dealerships and property developers to embed lending journeys within partner channels and expand customer reach.
• Partner with the FinTech team to deploy open-banking capabilities that simplify application journeys and improve conversion.
• Drive digital partnerships end to end—from proposition design and proof of concept through pilot launch, market validation, performance measurement, and scaled enhancement.

Project Delivery and Governance

• Lead cross-functional delivery across business, IT, Finance, Risk, Operations, and external partners including dealerships and developers to convert business needs into scalable pricing and digital solutions.
• Own delivery quality, stakeholder alignment, governance, and timely execution of initiatives that advance the Retail Assets strategy.
• Own the pricing-variance pipeline by translating stakeholder requirements into prioritized analytical initiatives, clear specifications, and executable delivery plans.
• Challenge and approve interface specifications, functional solution documents, and project plans, ensuring complete business requirements and timely sign-off.
• Design and govern SAS business rules, rule flows, and decision logic supporting customer segmentation, retail-loan policy, and differentiated pricing offers.
• Direct end-to-end validation of pricing-engine releases across SIT, UAT, and production deployment, ensuring accuracy, control effectiveness, and business readiness.
• Anticipate project risks and dependencies, remove roadblocks, and enforce mitigation actions to protect scope, quality, and delivery timelines.
• Maintain disciplined project governance through concise status reporting, active issue resolution, and clear executive escalation.
• Enforce governance and regulatory compliance by securing all required stakeholder approvals through the NPPA process before launch.

Analytics and Reporting

• Generate and interpret portfolio reports to identify customer response patterns, product gaps, and opportunities for proposition enhancement.
• Partner with IT and Product teams to ensure pricing variances are available and accurate across all channels; diagnose and resolve defects through detailed review of SAS rules and SQL-based analysis.
• Own portfolio performance tracking, isolate the drivers of material variances, and recommend decisive management actions.
• Deliver timely, accurate, and executive-ready financial reports and dashboards for senior management.
• Translate financial analysis into clear strategic recommendations that improve profitability, growth, and resource allocation.
• Convert complex data into specific, prioritized recommendations with measurable business impact.
• Influence senior stakeholders through compelling, evidence-based insights that shape strategic and investment decisions.

Performance Management

• Define a rigorous KPI framework covering growth, profitability, pricing, risk, customer experience, and delivery performance.
• Own monthly performance reviews against plan, forecast, and strategic targets, with transparent reporting of gaps and drivers.
• Trigger corrective actions early, assign accountabilities, and track remediation through to closure.
• Partner with business teams to convert performance insights into sustained financial and operational improvement.

Stakeholder Management and Alignment

• Drive alignment across Product, Marketing, Business Finance, IT, Operations, Risk, and Compliance on priorities, plans, and delivery commitments.
• Provide authoritative financial and analytical challenge for product launches, pricing campaigns, and investment proposals.
• Embed financial, risk, and regulatory requirements into initiative design and execution from inception.
• Mobilize stakeholders, resolve competing priorities, and secure timely decisions to deliver divisional objectives.

Risk, Compliance and Control

• Proactively identify financial, delivery, operational, and regulatory risks and implement proportionate mitigation plans.
• Maintain full compliance with internal policies, delegated authorities, control standards, and applicable regulatory requirements.
• Strengthen data integrity through disciplined validation, reconciliation, and control reviews of financial and operational information.
• Escalate material risks promptly and drive agreed remediation actions to effective closure.

Qualifications & Experience

• Bachelor's degree in a relevant field such as Finance, Mathematics, Statistics, Economics, Computer Science, or a related discipline. A master's degree is a plus.
• Professional certifications in Financial Analysis (e.g., CFA, CPA) are preferred.
• Extensive experience in Retail Assets / Retail Lending, with strong exposure to Personal Loans, Mortgages, Auto Loans, and Overdrafts.
• Proven experience in Retail Loans Pricing, particularly risk-based pricing strategies.
• Strong background in project management and IT delivery, with experience leading cross-functional initiatives.
• Experience in digital transformation, customer journey redesign, and lending process automation.
• Exposure to financial planning, budgeting, forecasting, portfolio management, and performance reporting.
• Prior experience leading and managing Business Analysts and Quality Analysts teams.

Skills & Competencies

• Risk-based pricing strategy design and execution.
• Financial modeling and scenario analysis.
• SAS business rules, rule flows, and decision logic design.
• SQL-based analysis and data interpretation.
• Finacle system knowledge.
• Portfolio analysis and performance tracking.
• Digital transformation and customer journey redesign.
• Open banking and fintech integration.
• APIs and digital decisioning algorithms.
• Emirates ID, UAE Pass, and blockchain integration.
• Project management and cross-functional leadership.
• Stakeholder management and executive influence.
• Data validation, reconciliation, and control review.
• Financial analysis and strategic recommendation development.
• Analytical and problem-solving capability.

Additional Information

• Emirates NBD offers flexible work policy allowing remote work whenever it suits.
• Competitive rewards, benefits, and perks are provided.
• Significant professional development opportunities are available to accelerate career growth.
• The organization encourages candidates to review key responsibilities and qualifications and apply for positions that match their skills and capabilities.