Transformation Manager - Consumer Finance | Financial Services Transformation & Development

Job Requisition : 176236

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 – employing more than 35,000 employees across more than 20 countries in the Middle East, Asia and Africa, Al-Futtaim Group partners with over 200 of the world's most admired and innovative brands.

Al-Futtaim Group’s entrepreneurship and relentless customer focus enables the organisation to continue to grow and expand; responding to the changing needs of our customers within the societies in which we operate.

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 modelling.
• Ability to create executive‑ready…