Transformation Manager - Consumer Finance | Financial Services Transformation & Development

Job Requisition ID: 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 A”rab 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.

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.

Required Skills To Be Successful:

• 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.

What Qualifies You For The Role:

• 7+ 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.


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Before you click “apply”: 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. Our global Talent Acquisition team members are all assigned to specific businesses to ensure that we make the best matches between talent and opportunities. We not only consider the requisite compatibility of skills and behaviours, but also how candidates align with our Values of Respect, Integrity, Collaboration, and Excellence.

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