Transformation Manager - Consumer Finance | Financial Services Transformation & Development

Overview Of The Role:

• 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.

What You Will Do:

• 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.