Transformation Manager - Consumer Finance | Financial Services Transformation & Development

Established in the 1930s as a trading business, Al-Futtaim Group today is one of the most diversified and progressive privately held regional businesses headquartered in Dubai, United Arab Emirates. Structured into five operating divisions – automotive, financial services, real estate, retail and healthcare – the Group employs more than 35,000 employees across more than 20 countries in the Middle East, Asia and Africa.

Al-Futtaim partners with over 200 of the world’s most admired and innovative brands. The Group’s entrepreneurship and relentless customer focus enable it to continue to grow and expand, responding to the changing needs of customers within the societies in which it operates.

By upholding our values of respect, excellence, collaboration and integrity, Al‑Futtaim Group continues to enrich the lives and aspirations of our customers each and every day.

• The Transformation Manager will play a pivotal role in evolving the operating model within Al‑Futtaim Group's Financial Services division, bridging between commercial goals, credit risk, and technology.
• The role involves converting conceptual frameworks into specific use cases and mapping out workflows, contributing to a seamless and profitable lending journey.
• Success in this role is defined by achieving higher conversion rates, frictionless user experiences, faster origination cycles, and maintaining a profitable loan book.
• The role requires dealing with ambiguity, connecting commercial dots, and influencing stakeholders at various levels, from shop‑floor operations to the C‑suite.

• Lead the rollout of new lending products from zero to one.
• Lead the end‑to‑end setup of operations for new lending verticals, including underwriting workflows and loan booking processes.
• Translate abstract conceptual frameworks into specific use cases for immediate implementation.
• Guide the selection of the tech stack to make the customer experience instant and seamless.

• Lead the definition, planning, and structuring of complex cross‑functional initiatives.
• Actively steer program execution, identifying and resolving roadblocks.
• Support the development of robust business cases by analyzing and testing hypotheses.

• Run advanced Excel analysis to identify process waste and uncover revenue opportunities.
• Translate data into sharp charts and executive presentations for management decisions.
• Track metrics like conversion rates, CAC, and LTV.

• Influence and direct operational staff and senior executives to drive immediate change.
• Overcome organizational resistance and ensure smooth transition to Business As Usual (BAU).
• Manage project risks, assumptions, issues, and dependencies.

• Define, track, and achieve project milestones and target KPIs such as reduced loan approval time.
• Design benefits realization trackers, holding function owners accountable for embedding changes.
• Manage budgets for initiatives influencing P&L and operational performance.

• Partner with tech and digital teams to define business requirements for financial systems.
• Translate commercial requirements into technical specifications for platforms like LMS.
• Work with Risk and Compliance to ensure regulatory standards are met.

• Map complex financial workflows and identify operational bottlenecks.
• Drive improvements in Turnaround Time (TAT) and Straight‑Through Processing (STP) rates.
• Integrate third‑party service providers seamlessly into the business architecture.

• Advanced Excel proficiency for data analysis.
• Strong communication skills for executive presentations.
• Ability to lead and steer cross‑functional initiatives.
• Deep understanding of consumer finance and lending mechanics.

• 7+ years experience in consumer finance, retail banking, or fintech.
• Master‑level proficiency in Excel for complex data modeling.
• Ability to create executive‑ready presentations from operational data.
• Proven…