Lending & Insurance Lead

Key Accountabilities • Lending and Insurance Product Strategy • Define du Pay's overall lending and embedded insurance strategy. • Develop a clear multi-year product vision and roadmap. • Identify the highest-value lending and insurance opportunities across du Pay's customer base. • Develop differentiated propositions for different customer segments, including: • Blue-collar customers • Expatriates • UAE nationals • Existing du Pay customers • New digitally acquired customers • Eligible SME and merchant customers • Identify opportunities to embed financial products directly into existing customer journeys. • Develop clear build, buy or partner strategies for each product. • Continuously monitor market trends, customer needs, technology developments and competitive activity • Lending Product Portfolio • Own the development and evolution of du Pay's lending portfolio, including opportunities such as: • Micro-lending • Short-term consumer credit • Personal lending • Salary-linked lending • Transaction-based lending • Cash-flow-based lending • Device financing • Embedded financing • Buy-now-pay-later and instalment propositions, where strategically appropriate • Merchant and SME lending opportunities • Other responsible and data-driven lending products • Key responsibilities will include: • Develop product propositions and value propositions. • Define eligibility and customer segmentation strategies. • Develop product features and customer journeys. • Define loan amounts, tenors, pricing principles and repayment mechanisms in collaboration with licensed lending partners. • Develop customer acquisition and cross-sell strategies • Identify opportunities to improve customer affordability and repayment outcomes. • Continuously optimise products based on customer behaviour and portfolio performance • Embedded Insurance Strategy • Develop du Pay's embedded insurance product strategy and roadmap. • Identify opportunities to integrate simple and relevant protection products into customer journeys, including: • Remittances • Payments and financial transactions • Lending • Device financing • Savings • Investments • Other digital financial products • Potential product opportunities may include: • Device protection • Transaction-related protection • Loan-related protection • Micro-insurance products • Personal accident and protection products • Travel-related protection • Other simple and digitally distributed insurance propositions • The successful candidate will: • Identify relevant insurance use cases. • Develop embedded customer journeys. • Work with licensed insurance providers and intermediaries. • Define product propositions and economics. • Ensure a simple and transparent customer experience. • Coordinate regulatory, legal and operational requirements. • Develop scalable API-based insurance integrations • Data, Credit Scoring and Decisioning • A central responsibility of this role will be to support the development of du Pay's data-driven lending capability. • The Manager – Lending & Insurance Products will work closely with Data, Technology, Risk and external partners to: • Identify relevant data sources for credit decisioning and customer segmentation. • Leverage financial transaction and payment behavior to improve lending propositions. • Explore the use of telecommunications and other relevant data sources were permitted by applicable laws, regulations and customer consent requirements.

Key Accountabilities include: Lending and Insurance Product Strategy, Lending Product Portfolio, Embedded Insurance Strategy, Data, Credit Scoring and Decisioning. Responsibilities cover developing product propositions and value propositions; defining eligibility and customer segmentation strategies; developing product features and customer journeys; defining loan amounts, tenors, pricing principles and repayment mechanisms with licensed lending partners; developing customer acquisition and cross-sell strategies; identifying opportunities to improve affordability and repayment outcomes; continuously optimizing products based on customer behaviour and portfolio performance; developing embedded insurance product strategy and roadmap; identifying opportunities to integrate protection products into customer journeys; working with licensed insurance providers and intermediaries; defining product propositions and economics; ensuring simple and transparent customer experience; coordinating regulatory, legal and operational requirements; developing scalable API-based insurance integrations; leveraging data sources for credit decisioning and customer segmentation; using transaction and payment behavior to improve lending propositions; exploring additional data sources within regulatory and consent constraints.