Established in the 1930s, Al-Futtaim is one of the most diversified and progressive privately held regional businesses, headquartered in Dubai. Operating across more than 20 countries, the Group spans automotive, financial services, real estate, retail and health. With more than 40,000 employees, Al-Futtaim represents over 200 of the world’s most recognised brands, including Toyota, Lexus, IKEA, ACE and Marks & Spencer. Driven by its purpose to enrich lives and elevate communities, Al-Futtaim focuses on digital innovation, AI, sustainable growth and strategic partnerships, creating long-term value for customers, communities and partners while building a responsible legacy for future generations.  Overview of the role :  The Senior Financial Analyst – Pricing & Residual Value will support the Senior Finance Manager in driving pricing governance, residual value management, portfolio profitability analysis, and commercial decision support across the Financial Services Division. The role will be responsible for developing pricing models, monitoring asset performance, validating residual value assumptions, and providing analytical insights to optimize profitability, competitiveness, and risk-adjusted returns across financial products and portfolios  What you will do :  Pricing Strategy & Profitability Analysis  1. Develop, maintain, and enhance pricing models for Financial Services products, ensuring alignment with profitability, risk, and growth objectives.2. Conduct detailed profitability analysis by product, customer segment, channel, and portfolio to identify value creation opportunities.3. Provide pricing recommendations and business cases to support strategic initiatives, market expansion, and product launches.4. Monitor actual portfolio performance against pricing assumptions and recommend corrective actions where required.5. Evaluate the financial impact of market changes, competitor pricing, cost fluctuations, and economic conditions on product profitability.6. Partner with Commercial, Sales, Risk, and Finance teams to ensure pricing decisions balance competitiveness and sustainable returns.  Residual Value Management  1. Develop and maintain residual value methodologies, assumptions, and forecasting models across applicable asset classes.2. Monitor residual value performance against actual market outcomes and identify emerging trends or risks.3. Prepare residual value risk assessments and recommend actions to mitigate exposure.  Portfolio Analytics & Performance Management  1. Develop portfolio performance dashboards and analytical reports for management decision-making.2. Monitor portfolio trends, yield performance, asset utilization, and return metrics.3. Analyze key performance drivers impacting portfolio profitability and operational efficiency.

1. Develop portfolio performance dashboards and analytical reports for management decision-making.2. Monitor portfolio trends, yield performance, asset utilization, and return metrics.3. Analyze key performance drivers impacting portfolio profitability and operational efficiency.