Job description
Emirates NBD is a market leader across the MENAT (Middle East, North Africa and Türkiye) region with a presence in 13 countries, serving over 9 million customers. Emirates NBD is the leading financial services brand in the UAE with a Brand value of approximately USD 4 billion. 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 over half a million users, it continues to be the fastest-growing digital bank in the region.Job Overview:As a Retail Loans Pricing Manager at Emirates NBD, your role is to design and execute risk-based pricing strategies that strengthen competitiveness, protect portfolio quality, and optimize revenue. expand addressable customer segments and channels to accelerate quality acquisition and portfolio growth and transform retail asset onboarding and servicing journeys to deliver faster, simpler, and more seamless customer experiences.Key Responsibilities:Lead cross-functional delivery across business, IT, Finance, Risk, Operations, and external partners including dealerships and developers to convert business needs into scalable pricing and digital solutions. It owns delivery quality, stakeholder alignment, governance, and timely execution of initiatives that advance the Retail Assets strategy.Assess portfolio, analyzing factors that impacts customers’ risk profile and recommend pricing strategies.Develop pricing strategies that is aligned with risk assessment ensuring products are priced competitively while mitigating potential losses and optimizing revenue.Review assets portfolio to evaluate historical data and customer behaviour to refine pricing models.Create roadmap for retail assets for continuous process improvements, business expansion, and channel activation with focus on engaged customer experience.Harness Dubai Government digital capabilities—including blockchain, UAE Pass, and Emirates ID integration—to create secure, frictionless lending experiences.Establish and scale strategic partnerships with auto dealerships and property developers to embed lending journeys within partner channels and expand customer reach.Partner with the FinTech team to deploy open-banking capabilities that simplify application journeys and improve conversion.
Responsibilities & skills
Education
Own the pricing-variance pipeline by translating stakeholder requirements into prioritized analytical initiatives, clear specifications, and executable delivery plans.Challenge and approve interface specifications, functional solution documents, and project plans, ensuring complete business requirements and timely sign-off.Design and govern SAS business rules, rule flows, and decision logic supporting customer segmentation, retail-loan policy, and differentiated pricing offers.
Experience
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Emirates
Just as Dubai aims to rise among the ranks of the world's major cities, Emirates wants to take its place among the world's leading airlines. The carrier provides scheduled passenger and cargo services to more than 100 destinations in about 60 countries around the globe. Emirates operates a fleet of more than 130 Boeing and Airbus jets and about 10 cargo freighters. The airline is owned by the government of Dubai, one of seven city-states that makes up the United Arab Emirates (UAE). Emirates is part of the Emirates Group, which also includes airport management and travel agencies (Dnata), and business technology (Mercator).
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