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, enabling continued growth and expansion while responding to the evolving needs of our customers. By upholding our values of respect, excellence, collaboration and integrity, we enrich the lives and aspirations of our customers every day.Overview Of The RoleThe 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 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.What You Will DoProduct Launch & Framework ExecutionLead 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.Transformation Program SteeringLead 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.Business Analytics & StorytellingRun advanced Excel analysis to identify process waste and uncover revenue opportunities.Translate data into sharp charts and executive presentations for management decisions.Track metrics such as conversion rates, CAC, and LTV.Change Management & Hands‑On DeliveryInfluence 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.Performance Management & Value RealizationDefine, 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.Tech and Digital Stack AlignmentPartner 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.End‑to‑End Process OptimizationMap 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.Required Skills To Be SuccessfulAdvanced 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.What Qualifies You For The Role7+ 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 experience in influencing change at all organizational levels.We’re here to provide excellent service but a little help from you can ensure a five‑star candidate experience from start to finish.Please read the job description carefully to ensure you can confidently demonstrate why this opportunity is right for you and take the time to put together a well‑crafted and personalised CV to further boost your visibility.As part of our candidate experience promise, we also want to make ourselves available to you throughout the application process. We make every effort to review and respond to every application.For further information, and to apply, please visit our website via the “Apply” button below.#J-18808-Ljbffr