Transformation Manager - Consumer Finance | Financial Services Transformation & Development - Al Futtaim Group

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:

Product Launch & Framework Execution

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.

Transformation Program Steering

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.

Business Analytics & Storytelling

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.

Change Management & Hands-On Delivery

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.

Performance Management & Value Realization

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.

Tech and Digital Stack Alignment

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.

End-to-End Process Optimization

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.

Job Details