Head of Personal Finance

About CodeNinja
CodeNinja is a technology and AI consulting firm delivering embedded and forward-deployed teams across KSA, Pakistan, Egypt, and Latin America, partnering with leading financial institutions and enterprises on their digital and business transformation journeys.

About the Role
We are hiring a Head of Personal Finance to lead the Personal Finance (unsecured lending) portfolio for a Retail Banking client. This is a senior leadership role owning the full Personal Finance business — product proposition, portfolio growth, P&L, pricing, customer acquisition, and lifecycle management — with end-to-end accountability for the customer journey from product design and eligibility through credit, fulfilment, servicing, and portfolio performance.

Key Responsibilities

• Own the Personal Finance P&L — revenue, growth, and profitability targets
• Define and evolve the product proposition and pricing strategy for the Personal Finance portfolio
• Drive customer acquisition strategy across digital and traditional channels
• Own portfolio performance management — asset quality, delinquency, and risk-adjusted returns
• Lead end-to-end journey design: eligibility criteria, credit decisioning, fulfilment, and servicing
• Partner with Credit/Risk on policy design and portfolio risk appetite
• Own lifecycle management — retention, cross-sell, and portfolio optimization
• Ensure regulatory and compliance alignment across the Personal Finance journey
• Lead and develop the Personal Finance team

Must-Haves

• 12+ years in Retail Banking, with significant leadership experience specifically in Personal Finance / unsecured lending
• Strong understanding of lending economics, pricing, and credit policy
• Proven experience owning portfolio management and P&L for a lending product
• Experience with digital lending journeys
• Strong grasp of risk and compliance requirements in consumer lending
• Demonstrated leadership in customer acquisition strategy for lending products

Nice-to-Haves

• Experience in a GCC/KSA banking market
• Exposure to digital transformation or fintech partnership initiatives within a bank
• Experience managing cross-functional stakeholders (Credit, Risk, Compliance, Digital, Operations)

Why Join Us
[Client-specific — needs input: growth story, market position, or transformation mandate you want to highlight]

Disclaimer
CodeNinja is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, or any other protected characteristic.