# Lending & Insurance Lead — du

Canonical: https://jobxdubai.com/jobs/12648-lending-insurance-lead
Location: Dubai, UAE
Type: full_time · Level: lead
Monthly salary: AED 12,000 to 18,000 per month (estimated, not employer-stated) (UAE salaries are tax-free)
Posted: 2026-10-05
Apply: https://fa-ewnx-saasfaprod1.fa.ocs.oraclecloud.com/hcmUI/CandidateExperience/en/sites/CX_1001/job/12648/apply/email

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## Description

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.

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