Lending And Insurance Lead

Exciting opportunity to join du Pay and help shape the future of digital financial services. We're seeking an experienced product leader to drive our lending and embedded insurance strategy, develop innovative customer propositions, and build strategic partnerships that deliver meaningful value to millions of customers.

Key Accountabilities:

• Define and execute du Pay's lending and embedded insurance strategy, including a multi-year product vision, roadmap, customer segmentation, and build-buy-partner models.
• Identify and develop high-value opportunities across consumer, SME, merchant, and digital customer segments, embedding financial solutions seamlessly into customer journeys.
• Own and evolve du Pay's lending portfolio, including micro-lending, personal loans, salary-linked lending, transaction and cashflow-based lending, device financing, embedded finance, BNPL, and SME lending solutions.
• Design compelling product propositions, eligibility frameworks, pricing structures, repayment mechanisms, customer acquisition strategies, and portfolio optimization initiatives.
• Develop and scale embedded insurance propositions across remittances, payments, lending, savings, investments, and other digital financial services, including device, transaction, loan, travel, and micro-insurance products.
• Build data-driven lending capabilities by leveraging transaction behavior, alternative data sources, credit scoring, decision engines, analytics, and predictive models to improve customer outcomes and risk performance.
• Lead the end-to-end product lifecycle, from ideation, business case development, product design, and MVP definition through launch, testing, optimization, and performance management.
• Partner with Engineering, Technology, Risk, Compliance, Data, UX, Operations, and external providers to deliver scalable and compliant lending and insurance solutions.
• Build and manage strategic relationships across the lending and insurance ecosystem, including banks, finance companies, insurers, fintechs, credit bureaus, scoring providers, technology partners, and embedded finance platforms.
• Develop business cases, commercial models, revenue strategies, pricing frameworks, and product economics to drive sustainable growth and profitability.
• Ensure products are designed in line with regulatory, consumer protection, responsible lending, data privacy, and governance requirements.
• Deliver simple, transparent, and frictionless digital customer experiences that improve conversion, engagement, affordability, and long-term customer value.

Qualifications, Experience & Skills

• Bachelor’s degree in Finance, Economics, Business, Technology, Engineering, or a related field. An MBA or professional certifications such as CFA, FRM, credit, or insurance qualifications are advantageous.
• Proven experience in digital lending, fintech, embedded finance, credit scoring, decision engines, alternative data, machine learning-based credit analytics, device financing, micro-lending, insurtech, embedded insurance, and API-driven financial products.
• Strong understanding of the UAE/GCC financial services landscape, including lending, insurance, risk management, and regulatory considerations.

What We're Looking For

• Strong product leadership with a proven ability to define strategy, develop roadmaps, prioritize opportunities, and translate complex financial products into compelling customer propositions.
• Deep expertise in lending products, credit decisioning, customer journeys, product economics, responsible lending, and credit risk principles.
• Solid understanding of data-driven financial services, including alternative data, predictive modelling, analytics, and collaboration with data science teams.
• Commercially astute with experience building business cases, managing product profitability, pricing strategies, unit economics, and partnership commercial models.
• Demonstrated ability to build and manage strategic partnerships, negotiate commercial agreements, and engage senior stakeholders across banks, insurers, fintechs, and technology providers.
• Strong understanding of digital product development, APIs, platform integrations, and cross-functional collaboration with Engineering and Technology teams.
• Excellent program and delivery management capabilities, with the ability to lead multiple workstreams in a fast-paced, evolving environment.
• Outstanding communication and stakeholder management skills, with the ability to present complex lending, insurance, data, and technology concepts to both technical and non-technical audiences.