Apply for this job Basic information Job role Product Management Career level Director (10-20 years) Keywords Retail Banking Manager - Payments - Banking Description Support execution of the retail assets strategy, translating business objectives into actionable plans across products such as personal loans, salary-backed lending, auto finance, and cards. Manage day-to-day performance of the lending portfolio, tracking disbursements, approval rates, conversion, yield, and portfolio growth against defined targets. Drive end-to-end execution of digital lending journeys, ensuring smooth customer experience across onboarding, credit decisioning, disbursement, and servicing. Work closely with Risk teams to implement credit policies into decisioning systems, including scorecards, affordability checks, and approval workflows. Monitor portfolio health metrics including delinquency trends, roll rates, early warning signals, and NPL ratios; initiate corrective actions where needed. Partner with Collections and Risk to support portfolio quality improvement initiatives and reduce delinquencies. Support product enhancements and optimization, including pricing adjustments, feature improvements, and customer journey refinements. Coordinate with Technology and Operations to ensure system readiness, SLA adherence, and process efficiency across lending operations. Manage relationships with credit bureaus, vendors, and fintech partners, ensuring smooth integration and service delivery. Prepare performance dashboards and reports for senior management, highlighting portfolio trends and business insights. Ensure all lending processes and customer interactions comply with CBE regulations, consumer protection guidelines, and internal policies. Support regulatory reporting, audits, and internal reviews related to retail lending activities. Drive continuous improvement initiatives to enhance operational efficiency, turnaround time, and customer satisfaction. Requirements • Bachelor’s degree in Business, Finance, Economics, or related discipline (MBA preferred).• Minimum 10–12 years of experience in retail banking or consumer finance, with strong exposure to retail lending products.• Hands-on experience managing retail assets portfolios including personal loans, auto finance, or credit cards.• Strong understanding of Egyptian retail lending market dynamics, customer behavior, and competitive landscape.• Experience working with digital lending platforms and automated decisioning systems.• Good knowledge of credit risk concepts including scorecards, affordability models, delinquency management, and portfolio monitoring.• Familiarity with Central Bank of Egypt regulations related to retail lending and consumer protection.• Strong analytical skills with the ability to interpret data and drive actionable insights.• Experience working cross-functionally with Risk, Collections, Technology, and Operations teams.• Strong execution focus with the ability to manage multiple priorities in a fast-paced environment.• Good communication and stakeholder management skills. Company information Industry Banking Area New Cairo
