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 Product Manager – Home Loan at Emirates NBD, your role is to

• Work with the product management team for home loan products with the aim to maximize profitability and growth for the portfolio, especially new volume bookings at optimal pricing
• Work closely with the product management team in planning, developing and implementation of the various initiatives which will enhance the product reach as well the customer experience including channel optimization, training, customer journey etc.
• The incumbent is expected to drive the development of integrated strategies across customer segment, product and/or portfolio, along with the implementation of home loan projects and  actively monitor performance and make actionable and timely recommendations on Policy, Process, Product Features etc to achieve business targets.

Responsibilities 

• The role holder will be responsible to interface with several internal and external parties to ascertain strategic roadmap for the Home Loan business and implement the associated action plan to achieve desired results
• This role necessitates good understanding of aspects of Home Loan product / pricing, local market knowledge and familiarity with key digital/system interfaces
• Support channels with queries on product, pricing and process and Deliver agreed top-line and bottom-line targets for the product.
• Focus on new channels – digital, online, social media, mobile etc
• Attend all types of Group Customer Experience complaints (Media, CB and internal complaints) and provide the required approvals/ resolutions. 
• Assist the product management in the effective launch and delivery of the marketing plan, promos, campaigns and collaborating with relevant teams for the timely execution of the same.
• Act as point of first reference for all product related enquiries and work collaboratively with colleagues of sales channels driving and motivating the team to optimize the channel productivity
• Responsible for providing the sales team/channels with the necessary technical expertise to enable them to sell the product. This involves active and regular engagement, imparting periodic training etc. 
• Ensure business margins for Home Loan/OD & R SME Loans is maintained at a profitable level. To ensure a sustained growth momentum is achieved at a good margin
• Regular Branch, Sales, IIS Channel visits for constant engagement and feedback with additional training to Branch PBA’s, Retail Banking Executive, IIS agencies and CCO Agents
• Maintenance and continuous monitoring of Home Loan scorecards including Application Score, Behavioral Score, CASA Score, Customer Score and Self-Employed scorecards. 

To be successful in this role, you will need the following skills and experience…

• Bachelor’s degree in a related field (MBA or relevant advanced degree is a plus).
• Minimum 3-5 years experience in sales, marketing and product development of Retail Lending Products
• Around 4 to 6 years of experience with Retail Banking Products 
• Ability to manage and interact with other key stakeholders both direct business units and support units
• Analytical skills for interpreting customer data and market trends 

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